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 offered by United States Fire 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 United States Fire Insurance Company. 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 'Reasonable & Customary' charge?

A "Reasonable 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 1^st or 16^th of every month. Your enrollment form and payment should be received, processed, and approved by US NetCare at least 5 days before 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 Klais at (800) 331-1096 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 Klais at (800) 331-1096 . You may also e-mail Claims Department directly at klaisclaims@klais.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 Klais at (800) 331-1096. 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 Klais at (800) 331-1096 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 is for insurance is 3 months. After the initial three months you can renew on a monthly basis.

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!