Some more details I got under "International health insurance" at ehealthinsurance.com. Please let me know what you think. This is an important topic as many of us plan to travel during retirement but do not want to be wiped out financially because of inadequate healthcare coverage....
Premium : $105.50 a month.
Applicant: Male/47
Coverage Start Date: 05/01/2012
Citizen SecureDetails At a GlancePlan Type: PPO
Lifetime Maximum: $5,000,000
Deductible: Individual:$5,000
Coverage area: Most countries
Coinsurance: None for in-network. 20% after deductible for out of network.
Office VisitPrimary Doctor:
Find Doctor Usual, Reasonable and Customary
Specialist: Usual, Reasonable and Customary
Chiropractic/Physical Therapy: Usual, Reasonable and Customary if prescribed by a primary physician. Physical Therapy - $50 maximum per visit per day.
Mental Health: $10,000 per certificate period, $25,000 Maximum, $50 Maximum per visit per day (After 12 months of continuous coverage)
Prescription Drug CoverageGeneric Prescription Drugs: Usual, Reasonable and Customary
Brand Prescription Drugs: Usual, Reasonable and Customary
Non-Formulary Prescription Drugs Coverage: Usual, Reasonable and Customary
Hospital Service Coverage
Lab/X-Ray: Usual Reasonable and Customary
Ambulance Services: Usual Reasonable and Customary when covered injury or illness results in hospitalization as inpatient.
Emergency Room: Usual, Reasonable and Customary for illness, however charges for use of the ER itself will not be covered unless the member is directly admitted to the hospital as inpatient for further treatment of that illness. Usual Reasonable and Customary for injury even if not hospitalized.
Outpatient Surgery: Usual, Reasonable and Customary
Hospitalization: Average Semi-private room rate, including nursing services
Other Coverage
Out-of-Network Coverage: Yes
Out-of-Network Authorization Required: No
Out-of-Network Deductible: Same as standard chosen deductible
Out-of-Network Coinsurance: Inside the US - 20% / Outside the US - None
Out-of-Network Out-of-Pocket Limit: Individual - $5000 plus deductible / Family - $15,000 plus 3 deductible
Substance Abuse Coverage: None
Maternity Coverage: Maternity Coverage - After the Deductible, policy will pay 50% of the next $100,000 of Eligible Medical Expenses, then 100% to a Lifetime Maximum of $250,000. Covered Maternity expenses include pre-natal, Delivery, and post-natal care (after 12 months of continuous coverage)
Newborn care: Included as part of Maternity benefits for a maximum of 60 days
Intensive Care Unit: Usual, Reasonable and Customary
Child Wellness: Members under age 19: $50 per visit (including immunizations), maximum of 3 visits per certificate period (Available after 12 months of continuous coverage - Not subject to deductible or coinsurance)
Adult Wellness: Members age 30 and older: $250 per member per certificate period. Females age 40 and older or 'qualifying woman at risk' - $100 per member per certificate period for a mammography screening. (Available after 12 months of continuous coverage - Not subject to deductible or coinsurance)
Additional Information
A.M. Best Rating: A+ as of 10/01/2010
Application Fee: HCC Medical Insurance Services requires a $20 One Time Enrollment Fee
Electronic Signature for Application Available: Yes
Will insurance company obtain and pay for medical records? N/A
Additional information about this health insurance plan is available in the documents below.
I think the answer is that it is individual (although they don't provide full details on line. They send a packet after you buy the insurance
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