A: There are some plans that would cover pregnancy after certain months after buying it. e.g., Global Medical Insurance from IMG covers pregnancy up to $5,000 after 1 year of continuous coverage ($2,500 after 10 months of coverage). Citizen Secure from Multinational Underwriters provides 50% coverage up to $100,000 per pregnancy ($250,000 life time coverage) after 1 year of continuous coverage. Inbound Immigrant covers pregnancy up to $2,500 if conception occurs at least 90 days after the effective date of the policy.

A: No. Routine physicals and preventive care are NOT covered.

A:
Per incident deductible: Every time you get a new sickness or injury for covered medical expenses, you have to first pay the deductible before insurance company starts paying anything.
e.g., Inbound USA and Inbound Immigrant from Seven Corners have deductible per incident.

Per visit deductible: Every time you visit a provider(doctor, hospital, lab or any other medical facility), you will have to pay the deductible before insurance company starts paying anything for the covered medical expenses.

Per policy period deductible: You have to pay the deductible only once during the entire policy period, no matter how many times you get sick or injured during the policy period.
e.g., Visitors Care from IMG has per policy period deductible. If you initially bought insurance for 3 months with $50 deductible and then you renew for another 2 months, in case you get sick or injured for covered medical expense, you will have to pay the deductible once in the first 3 months, and if you again got sick in 4^th or 5^th month, you will have to pay deductible once again during those 2 months.

Annual deductible: No matter how many times you get sick or injured during an entire year for covered medical expenses, you have to pay the deductible only once in a year.
e.g.; Protection America from IMG has annual deductible. It is renewable plan for durations as little as 5 days. If you take $100 deductible, and renew the plan on monthly basis, you have to pay deductible of $100 once during the year. This is the best type of deductible.

No matter which type of deductible it is, you have to pay that first before insurance company starts covering anything. This is somewhat similar to car insurance. In regular domestic insurance that you may have through your employer, whenever you visit a doctor, you pay co-pay and deductible is only for major things like hospitalization, surgery etc. Short term plans such as visitors insurance work differently.

A: No. Plans in which you pay $5 or $10 co-pay and then the rest is covered by insurance every time you visit the doctor, are usually offered by regular domestic insurance companies and that through employers to their employees who are working in US on permanent(long-term) basis, such as US citizens, green card holders and H-1B/L1 visa holders etc. These kind of plans are not offered in case of visitor medical insurance. (That kind of insurance can easily cost the employer big amount like $600-$700 per month per employee.) Such insurance plans are not available to visitors.

A: When you visit the emergency room, insurance company will pay up to $330 max for all the services performed in emergency room including attending physician services, medicines, injections, x-rays, labs or any other charges in the emergency room, even if you get an itemized bill describing separate charges for emergency room, attending physician and medicines. Hence, in this case, insurance company will pay maximum $330 and you will have to pay the difference of $500. ($550 + $130 + $120 - $330.)

Please note that insurance company will pay up to $55 for physician's visit if you visited the physician in his/her office. It will pay up to $100/sickness in Inbound USA up to $250 per policy period in Visitors Care for prescription drugs, if you came out with the prescription in your hand either in the emergency room or during physician's office visit and got the prescription filled at the pharmacy such as CVS, Rite Aid etc.

A: No. The deductible is the amount you have to first pay before the insurance company starts paying anything at all. If you choose a $0 deductible, the insurance company starts paying right away but that does not mean it will pay 100%. It will pay according to the coverage defined in a given insurance plan.

There are two major types of insurance plans:
Fixed: Cheaper, limited
Comprehensive: More expensive, better coverage

Please read 'How Plan Works' provided for each insurance plan to understand how it works. Please refer to the brochure for further details.