Visitor Medical Insurance Experiences



Visitor Insurance Experience With HCC Medical Insurance

Posted by: BJ On 05 Sep 2014

We had a horrible experience with this Insurance company which we purchased through Visitor Insurance site for my mother. We paid premium for almost 9 months and during the stay she had to make Doctor office visit three times. All the claims were denied by the insurance company. Actually they never responded to the doctor's office. When you call no one picks of the phone or by luck someone did they will say one standard explanation that it was not covered due to pre-existing condition. Normally you would expect an insurance reduced rate to be charged. But the doctor office charged full rate. We are dealing with those bills now, over $1500. Very bad experience. Even I went to cancel my policy but no response. They don't want to refund the premium I had paid for future months. This is a horrible company. I will never recommend anyone buying from HCC Medical Insurance services.

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Unpaid Bills For My Parents 2 Years Back

Posted by: Raj On 17 Jul 2012

Hi,

My parents had visited us 2 years ago and during their stay , my dad was admitted in the hospital and he had a surgery here. Hospital bills mounted up to almost 30-40 K. Even though they had visitor insurance then, they denied it.Since we were not able to pay such a big amount, it went to collections. My parents left to India shortly.
They are planning to visit us again in a couple of months. So I would like to know if they would face any immigration issues on arrival to US? or any other issues later? It would be really great if you could provide some information regarding this.

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HCC Medical Insurance Via Insub A Painful Experience

Posted by: Sami On 01 May 2012

Recently I got a health insurance for my father-in-law. Last month, before he left for India, he got shingles and was admitted to hospital for 2 days. A bill of about $10000 has been denied by HCC stating that '23 this condition is not covered due to pre-existing limitation'. Phone calls to customer care are almost never answered and I have to just wait for a long time. I still do not understand how such infections leading to emergency can be called pre-existing. After reading through several reviews about HCC in few forums, I realized that the same answer is provided to many people generously! A bad experience! I will not buy this insurance in future.

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HCC Atlas Medical Insurance Very Very Bad

Posted by: Vijay On 14 Mar 2012

Never in my life will I buy travel insurance from HCC. I had purchased HCC travel insurance for my in-laws from India for six months. They did not even cover their office visits to physicians stating that the patient was not eligible for coverage on the date of service. I called them and waited for 30minutes before somebody answered and they confirmed that the coverage was active on the date of service. They asked me to wait for another 30days to reprocess the claim. Haven't hear from them yet.

Renewing the insurance to extended the coverage was another hassle as they kept double charging my credit card and I had to call them several times to correct the charges. This is such a pathetic and irresponsible insurance company.

The cost of purchasing the insurance for 6months turned out to significantly more than the combined total of all the six months medical bills. I deeply regret having used this useless money-minded company.

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Can Some One Give Good Experience

Posted by: Sam On 25 Oct 2011

Need to buy health insurance for old parents, does any one hasgoodexperience?

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Let Me Help

Posted by: VisitorsCoverage On 24 Oct 2010

Sorry to hear that you are having difficulty with your claims related communication. Administrative tasks do take time.

Please contact the same source/agent agent for help where you have purchased your policy from.

If you have purchased the policy, from VisitorsCoverage.com, Please contact me by sending details bout your case via email to - rajeev AT VisitorsCoverage DOT com, I will work with you to ensure that any eligible covered claims should be paid as per the policy.

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HCC Med Insurance, Atlas - Bad Experience, Continued

Posted by: Jerzy Krzeminski, visitor to US On 23 Oct 2010

I have asked on 1st Oct for an explanation for giving me denial for pre-existing condition. Have received an answer: "Thank you for contacting HCC MIS.I will need to pull your file and review your claims in under to give you that determination. Please allow up to 48 business hours to follow up. ". Nothing happened since then, despite my two more mails. I filed an appellation /enclosing letter from my cardiology consultant/ but do not have much hope. I begin to think about a lawyer...

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Communicate With Claims And File An Appeal

Posted by: Rajeev On 29 Sep 2010

Let me give my point of view for Pre-Existing conditions.

Not taken any previous treatment for the problem, does not mean that problem was not existed prior to the policy start date. Many times, symptoms appears much later. A physician or medical expert can better assess these situations.

Now, in your case,

- Did you communicate with HCC claims dept. and ask for explanation ? If not please do so.
Also file a written appeal, and their claims dept. should review your case again.
Let me tell you, insurance company is not bad , If your claim is valid it will be paid.
I would recommend you to contact your agent Or the insurance administration directly , and I am sure they will help you.

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HCC Med Insurance, Atlas - Bad Experience

Posted by: Jerzy Krzeminski, visitor to US On 29 Sep 2010

Hello,

I am a tourist from Poland, male, 56 years old, /Polish citizen/ and I often
spend vacation in Florida /twice a year recently/. For that I always had
travel medical insurance, always from company HCC Medical Insurance.
This insurance, Atlas 4, I bought from HCC web page and pay with credit card. I always had HCC Medical insurance before but never claimed anything as nothing ever happened. Until then.

In the morning of 4th Nov 2009 I noticed pulse 150 beats/min and went to see doctor in a outpatient clinic in St. Pete, FL. A doctor here has done EEC and called ambulance which took me to Bayfront Medical Center, St. Petersburg, FL. I was diagnosed with A-Fib /Atrial Fibrillation/, treated with tablets and discharged next day. The service in hospital was good, efficient and friendly.
A admin nurse from hospital contacted HCC Med Insurance /before doctors see me/ for pre-certification and took $ 250 deductible from my credit card.

Total bills were close to 12,000 dollars /ambulance, hospital, consultants/ and hospital has sent bills directly to HCC. Now, Sept 2010, I received Explanation of Benefits and HCC deny to pay any of those bills calling Pre-Existing condition. I have never in my life been in hospital and never had arrhythmia before, I am treated for mild hypertension and have no other diseases. The outstanding bills were sent to payment collectors by now.

HCC Med Insurance did not explained why my sudden illness was qualified as Pre-Existing condition, just informed me in a short letter dtd 7th Sept 2010.

I do not know what I can do now.

Jerzy Krzeminski /jkrz@onet.eu/

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Let Me Help

Posted by: Rajeev On 14 Sep 2010

Sorry to hear that you are having this issue.
Did you communicate with the insurance company and make your points/supporting documents to ? did you actually know what is the Doctors report or diagnosis on this ?
Unless, the complete information is known, it is not fair to put blame on insurance company completely.
Can you please email me (rajeev@VisitorsCoverage.com) , the details including Policy number and some brief about this claims, and let me see If I can help you with this, If this is indeed a valid claim, it should be paid.


- Rajeev
VisitorsCoverage.com

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