FAQ - Frequently Asked Questions
- What are Guard, Safety and Necessity?
-
Guard, Safety and Necessity are US NetCare's health insurance plans. They are affordable
health insurance plans specially designed for non-US citizens. US NetCare plans
are offered by AIG Insurance Company. The plans provide coverage for cases that
involve medical needs. The plans will cover you worldwide besides your home country
/ country of permanent residency.
- Is US NetCare an insurance company?
-
No. Our plans are insured by AIG Insurance Company; Policy holder is US NetCare.
US NetCare is the administrator. US NetCare provides you with the assistance you
need during your enrollment process and for the duration of your coverage. The collective
body of clients allows US NetCare to negotiate better insurance rates.
- What is a deductible?
-
A deductible is the amount ($) of out-of-pocket expenses you must pay to the doctor
or to the hospital before your policy will pay any benefits. The deductible is calculated
per event, not per visit. Check your insurance plan's schedule of benefits for the
correct deductible that you should pay per event.
- What is Co-Insurance?
-
Co-insurance is the percentage that the insurance company will pay from the total
covered benefits in your claim. It is the ratio (%) of splitting the bill between
you and the insurance company. If your co-insurance is 90% for the first $20,000,
and the approved claim amount is $10,000, it means the insurance company will pay
$9,000 and you will pay the remaining $1,000.
- What is medical evacuation?
-
Medical evacuation means the transfer of the insured person to the nearest hospital
or medical facility in case of an emergency injury or sickness or back to his/her
home country. It could be done by any necessary mean of transportation.
- What is repatriation?
-
In case of death, Repatriation covers the transportation of the mortal remains of
the insured person back to his family and/or home country.
- What is a pre-existing condition?
-
A pre-existing condition is any medical condition (injury or illness) that existed
prior to the date your insurance enters into effect. A pre-existing condition includes
any injury or illness that you:
- Suffered from prior to the date your insurance enters into effect.
- Received treatment for prior to the date your insurance enters into effect.
- Were prescribed medication for prior to the date your insurance enters into effect.
- Who is eligible for US NetCare's health insurance
-
This insurance is available in the USA for individuals who are not US passport holders
or Green Card holders and their dependents. Covered individuals and their dependent
children under the age of 19 travelling in the US or outside of the US during the
term of this policy will be covered for medically necessary expenses according to
the terms and limitations of each Benefit.
- How do I enroll for one of US NetCare's plans?
-
The easiest and fastest way to enroll is online. You can mail us your enrollment
form (with payments by check, money order or credit card) or fax the form (credit
card payment only).
- What is NOT covered by your health insurance plans?
-
Every plan has a list of events and procedures that are not covered. Please be sure
to view the plans' chapter on exclusions.
- What is a 'Usual & Customary' charge?
-
A "Usual and Customary" charge is the amount normally charged by medical service
providers for similar services and supplies in your area of living.
- When does my health insurance plan become effective?
-
Your health insurance plan can start on the 1st or 16th of every month. Your enrollment
form and payment should be received, processed, and approved by US NetCare prior
to the effective date requested. If you didn’t specify a date on your form your
plan will start on the next available date.
- Can I purchase insurance for as long as I wish?
-
The minimum initial insurance period that can be purchased is 3 months for any of
our plans. The maximum initial period of insurance is 12 months. After the initial
period of insurance you may renew your insurance if you are still eligible under
the terms and conditions of the policy and up to 36 months.
- What should I do if I am sick or injured?
-
In case of emergency, you should seek treatment with the nearest qualified physician
or hospital. Otherwise, you may seek treatment by any PPO service provider
here, or call Administrative
Concepts, Inc (ACI) (888) 293-9229 for further assistance.
- Where can I find a qualified doctor or hospital?
-
The plan Preferred Provider Network (PPO) is Beech Street. You may find participating
provider here or by calling Beech Street
(800) 432-1776.
- Who can I call if I am not clear about the coverage and benefits?
-
If you are uncertain about your coverage and benefits, contact US NetCare's customer
service at (800) 453-8648. Our staff will be more than happy to answer your questions
and help you. If you already enrolled in one of our plans and need assistance or
have questions, please contact ACI at (888) 293-9229. You may also e-mail Claims
Department directly at aciclaims@visit-aci.com
- My medical service provider (doctor, clinic or hospital) would like to verify what
is covered by my insurance plan. Where can they call to verify coverage?
-
Simply give your medical insurance card to the service provider and ask him to call
ACI at (888) 293-9229. It is recommended to carry the brochure with the policy information
and present it to the service provider as well
- Do I have to pay the doctor or hospital?
-
Whether you pay the doctor or hospital depends on the procedure the doctor or hospital
follows. Most PPO service providers will settle the bills directly with the insurance
company. They will ask for your medical information (from your insurance card) and
contact the insurance company's claims department directly. However, some doctors
might ask you to pay the bill yourself. In such a case you should claim a refund
from the insurance company.
- I received medical treatment and paid the bill out of my pocket. How can I get the
money back?
-
To get reimbursed you will need to complete a claim form and mail it to the claims
department of your insurance company. Claim forms are available
here You may also request it by calling our office at (800) 453-8648 and
we will be glad to mail it to you.
- I received a bill from the doctor / hospital! What should I do?
-
If you receive a bill from the doctor or hospital, fill in a claim form and mail
the form with the original bill to the claims department of your insurance company.
Make sure to keep copies of everything for your own records.
- Do I get a medical insurance card? Do I need the card in order to be treated by
a medical service provider?
-
Yes, you will receive a medical insurance card from US NetCare. It is always advisable
that you have your medical insurance card whenever you seek medical treatment. However,
if you don't have your medical insurance card with you, please ask your service
provider to contact ACI at (888) 293-9229 to verify coverage.
- I get a new medical insurance card when I renew the plan?
-
No, you do not need a new card. Simply continue using the same card you already
have.
- Which doctor, clinic, or hospital accepts my insurance?
-
Beech Street PPO offers about 500,000 service providers in the USA. In general,
you can seek service from any qualified doctor or other medical facility. It is
recommended that you use US NetCare's PPO, Beech Street, in order to lower your
out of pocket expenses. Your co-insurance will be lower when treated by a service
provider that is affiliated with Beech Street. To find a service provider in your
area go here, or call Beech Street at (800) 432-1776.
- Can I renew my coverage for one or two months?
-
The minimum enrollment or renewal term for insurance is 3 months. If you need to
renew your plan for less than three months for any reason, please contact US NetCare's
Customer service team and we will assist you.
- What is US NetCare's Refund of Premiums policy?
-
We strive to do our utmost to ensure satisfaction with our plans and service. If
you still wish to cancel your plan, please contact our Customer Care team at
customercare@usnetcare.com or (800) 453-8648. If your insurance has already
started, a refund will only be permitted if you have joined the military and did
not submit any claims. A processing fee of $50 will be applied.
Questions? Please call us at (800) 453-8648 or e-mail to
info@usnetcare.com.
Our Customer Care representatives are standing by to assist you!