为父母买保险的一点心得 - 未名空间MITBBS历史存档

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为父母买保险的一点心得

为父母买保险的一点心得# Reunion - 探亲与陪读

c*l2007-10-25 07:10

1 楼

首先，很多公司有Traveler Insurance，但是并不适用，给来美探亲的父母买保险要
for non US citizen inside of the US，其实只有很有限的几个公司有，我看到的比
较大的有：
MultiNational Underwriters，计划有Atlas America
Seven Corners - 计划有Liaison International，Inbound USA A,B,C,D,等
International Medical Group - 计划有Patriot America，Visitor Care
HPA (Health Plan Administrators) - 计划有Overseas Travel Medical Plan
这些公司的缺点是: 他们的规模比较小，没有自己network，所以就没有network
negociation/discount,去看病的时候很多时候是你自己要负责把bill寄到claim
department,他们会cover reasonable and customary expense, 也就是如果你

r*s2007-10-25 07:10

2 楼

I just want to remind those who really care about money and who think that
such an insurance is a way of mitigating the risk of having medical problems
, it may not be the case as you expect. Please read the plan of coverage
carefully and don't find out later that your over $500 a month does not
solve anything.
The exclusion of pre-existing conditions should warrant your double thinking
on buying it.