Good news - my wife's parents and brother miraculously received 10-year multiple entry tourist visas, so they're coming from Philippines to the USA to visit!
My concern is medical insurance for them while visiting, due to the obscene cost of medical care in the USA. I have been exploring different companies, quotes, etc. and there are a plethora of different plans covering (and excluding) things I never thought of and some things I never even knew existed.
Does anybody out there have any experience with travelers' medical insurance for visiting the US, particularly with claims. Many of these policies offer "reimbursement" for medical expenses (evacuation. etc.) and I would not want to pay six figures for some expense and then the company denies it, or other problems like that. Also, many hospitals mark up the bill by a tremendous amount if you're not in an insurance network. Denials due to anything deemed "preexisting," and so on, and so on... the possibilities are endless for being financially trapped and/or ruined by the US medical system. My wife's parents are elderly (late 60s/early 70s) and are relatively healthy but who knows, anything could happen.
I am willing and able to pay for good insurance, and I'm looking for a company that pays claims directly and doesn't unreasonably stall or deny claims. Can anybody recommend which companies are good, and/or which ones to stay away from?
I realize this topic has been addressed before but I am hoping to get information on specific companies, what to look for and what to watch out for. Thanks in advance!