customers claims properly or not? Has anyone ever heard of this company Study USA Plan(http://www.travelinsure.com/what/susahigh.htm) and does the link http://www.serveglobe.com/insurance/affiliate/nriol/brochure/study-usa-insurance.pdf seem legitimate? Its rates seem to be too low.
Blue Cross of Florida online, http://www.bcbsfl.com/ has a premium of 126 per month with a deductible of 500 per
individual and "No deductible for in-network well care, but co-insurance for in-network services " It seems if I visit a in-network provider most likely I will be charged 20% of the cost? This has a high deductible and 20% co-insurance.
I was told there is also HTH Worldwide(http://www.hthtravelinsurance.com/) which is 86 for standard(100$ deductible and basic medical is covered only 80% till 10K) and 116 for preferred(100$ deductible and after basic medical of 5K, 80% till 245K) as http://www.hthtravelinsurance.com/students_plans.cfm.
I would appreciate any ideas/suggestions on the plans and features.
I asked a question yesterday(http://answers.yahoo.com/question/;_ylc=X3oDMTE1MmI4N2IyBF9TAzIxMTU1MDAxMTgEc2VjA2Fu c19ub3QEc2xrA3N1YmplY3Q-;_ylv=3?qid=20071229150722AAq0NU7) on getting health insurance and got some useful suggestions, but still need some more help
There are some other companies like http://www.visitorsinsurance.com/international_student.php which offer coverage upto 500K for 54$ monthly premium whose benefits are http://www.visitorsinsurance.com/patriotexchange_plan.php#Benefits
but they mention 100% in co-insurance. What might that mean?
I thought co-insurance is typically 10-20%, but 100% means I am responsible for all costs? Am I understanding properly?