Frequently Asked Questions
 

• How do I contact the Claims Office?
  

• Is there a Plan option for Students?

• What is a Deductible?

• What is a Per Injury or Illness Deductible?

• What is covered under the maternity benefit?

• Do I need to go to a specific doctor or hospital if I need medical attention?

• Are Routine visits to the doctor, annual physicals or vaccinations covered?
  

• How can I get a copy of the Policy?

• What is VISIT's cancellation policy?

• Who Underwrites the VISIT Plans?
  

• What are the U.S. State Department Medical Insurance Requirements?

• How do I RENEW by Policy? 

• How do I contact the Claims Office?
                  
  
  Economy, Standard, Super, Platinum & EPLUS Plans
  Co-ordinated Benefit Plans, Inc - (866) 282-6524
  PO BOX 26222
  Tampa, FL  33623-6222
  
  Outbound Plans - Atlas and Citizen Secure
  Client Zone:  https://zone.hccmis.com/clientzone/
  HCC Medical Insurance Services - (800) 605-2282 / If calling from outside the US, call collect to (317) 262-2132
  PO BOX 863
  Indianapolis, IN  46206

  Click here for more information about claims
  
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• Is there a Plan option for Students?
  

  Economy, Standard, Super & Platinum Plans

  Student-The Student rate is open to International Students, visiting Faculty, Scholars, or other persons over the age of twelve (12) up to and including age sixty-four (64), who are temporarily residing outside their Home Country. The Insured must remain engaged in educational or research activities outside their Home Country during the Period of Coverage.

  Spouse-An eligible spouse shall be defined as the Primary Insured’s legal spouse up to and including age sixty-four (64). 

  Child-An Eligible Dependent Child shall mean the Primary Insured Person’s unmarried children over thirty (30) days and under nineteen (19) years of age or under twenty-five (25) years of age if they are attending an accredited institution of higher learning on a regular full-time basis and/or wholly dependent upon the Insured Person for maintenance and support.

  A Student must be the primary insured in order for the Spouse and Child to be eligible for the ECONOMY, STANDARD, SUPER AND PLATINUM Plans.

  Plan EPLUS
  
  VISIT's Plan EPLUS is open to any non-US citizen traveling to the US and their family-members traveling with them, all under the age of 79.  The EPLUS Plan does NOT include maternity coverage.
  
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• What is a Deductible?
  
  For a covered medical expense, the Deductible is the portion of your medical bill that is your responsibility.  The Deductible per occurrence will first be subtracted from the total medical bill.  The remaining amount will then be multiplied by the coinsurance (80%) to arrive at the amount which must be paid by the insurer and the amount which remains the responsibility of the insured.
  
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• What is a Per Injury or Illness Deductible?
  
  A per injury or illness deductible means: an illness or accidental bodily injury necessitating medical treatment by a physician as defined in this policy.  All bodily injuries sustained in any one accident shall be considered one disablement, all bodily disorders existing simultaneously which are due to the same or related causes shall be considered one disablement.  If a disablement is due to causes which are the same or related to the cause of a prior disablement (including complications arising there from), the disablement shall be considered a continuation of the prior disablement and not a separate disablement.
  
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• What is covered under the maternity options?
  
  Maternity benefits are only available if the Maternity Plan option is chosen at least 30 days prior to conception.  Maternity benefits are available through the Economy, Standard, Super and Platinum Plans ONLY.  The EPLUS Plan DOES NOT include maternity benefits.  Please see the Schedule of Coverage for each plan for specific details.
  
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• Do I need to go to a specific doctor or hospital if I need medical attention?
  
  Any fees charged over the reasonable and customary rate will be your responsibility.
  
  Economy, Standard, Super, Platinum & EPLUS Plans
  Underwritten by Virginia Surety Company, Inc.
  
  If an emergency: 
  • Go directly to the hospital, or call 911 for emergency response
  • Call the 24-hour assistance service center at the number listed on your ID card to alert the center of your situation.
  
  If not an emergency:
  • Go to your student health center for health services
  • If you do not have access to a student health center, you can go to a doctor of your choice, or you can refer to the BEECHSTREET website www.beechstreet.com to find a provider. Of course, you may also call the assistance service center whose number is listed on your I.D. card to help find a provider. 
  • Be sure to let the doctor's office know that you are part of the BEECHSTREET NETWORK.

    

    
    
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• Are routine visits to the doctor, annual physicals or vaccinations covered?

  The VISIT Travel & Medical Insurance Program provides coverage for accidents & sickness, and medical emergencies only.  This program will not provide coverage for routine visits to the doctor, annual physical exams or vaccinations. 

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• How can I get a copy of the Policy?
  
  Listed below are the policy documents for each plan.  To view the policy click on the document and you will be able to view a PDF file of each policy.
  
  PLANS - Economy, Standard, Super, Platinum & EPLUS
  Underwritten by Virginia Surety Company, Inc.
  
  PLAN ECONOMY100
  
  PLAN ECONOMY250
  
  PLAN STANDARD100
  
  PLAN STANDARD250
  
  PLAN SUPER100
  
  PLAN SUPER250
  
  PLAN PLATINUM100
  
  PLAN PLATINUM250
  
  PLAN EPLUS
  
  
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• What is VISIT's Cancellation Policy?
  All premiums are fully earned upon Application, and are Non-Refundable. Please apply only for the term of coverage you need, and re-apply as necessary as your plans may change.
  
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• Who Underwrites the VISIT Plans?

  ECONOMY, STANDARD, SUPER, PLATINUM AND EPLUS PLANS
  Underwritten by Virginia Surety Company, Inc. (VSC), rated A- “Excellent” by A.M. Best.  The VSC Master Policies are filed under form numbers IN/OUT-EOC (01/2004) and Liability AIFS LIAB (IL 09/98R).
  
  ATLAS & CITIZEN SECURE
  The Atlas Series is insured by Syndicate 4141 at Lloyd's, London. Lloyd's is the largest and oldest insurance market in the world and is rated A (Excellent) by A.M. Best Company and A+ (Strong) by Standard & Poor's.

  Plan Administrator/Broker:
  The VISIT Travel & Medical Insurance Program is an Insurance program of
  PENTECO, LLC.
  
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• What are the U.S. State Department Medical Insurance Requirements?
   
  The U.S. State Department Insurance Requirements for Exchange Visitors [22 CFR 62.14] are:

  Minimum coverage shall provide:

  • Medical benefits of at least $50,000 per accident or illness;
  • Repatriation of remains in the amount of $7,500;
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000; and
  • A deductible not to exceed $500 per accident or illness.
    
    For more information contact the US State Department
    http://exchanges.state.gov/education/jexchanges/administration.htm
    
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• How do I RENEW by Policy?
  
  If you are RENEWING, please complete the application form and mark Yes for RENEWAL.  You may also RENEW over the phone for faster service.
  
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