CitizenSecure Health Insurance

CitizenSecure Economy

Plan Overview

If you are a US citizen living abroad, traditional sources of US private health insurance will not meet your needs. Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the US. At the same time, you may not be eligible for participation in the government sponsored plans in the country where you reside. Or you may wish to have access to health care in other countries, including the US, in the event you become seriously ill.

If you are a non-US citizen, you may need an international medical insurance policy to supplement the coverage available to you through a plan sponsored by your government or to provide coverage while you are outside your home country. If your lifestyle knows no geographic limits, you need health insurance that knows no boundaries. CitizenSecure Citizen Economy was designed to meet the needs of budget conscious International Citizens who want reliable, affordable coverage.

Is Coverage Under CitizenSecure Economy Renewable?
Yes. CitizenSecure Economy is annually renewable. There are no medical questions at renewal. Renewal is only subject to your continued eligibility and payment of premiums. Your renewal premium will be the same as all persons of the same Certificate origination year, age and gender. If you purchase coverage before you reach the age of 65, and maintain coverage continuously for 10 years, subject to continued eligibility, you will automatically be eligible to apply for the CitizenSecure Senior Plan with no medical questions.

How Do I Apply for CitizenSecure Economy?
To receive a quote and complete an application online, please click here. Within 5 business days of receipt of your Application, you will be informed as to the acceptance of your Application and your Effective Date, or of any additional information required to continue the evaluation of your Application. Answer each question thoroughly and legibly, and attach additional sheets if necessary. If your Application is not accepted, HCCMIS will promptly refund your premium. If your Application is accepted, you will receive a fulfillment kit containing your Certificate of Coverage, an identification card, a claim form, and instructions on how to use your insurance.

What Should I Expect During the Underwriting Process?
CitizenSecure Economy is a medically underwritten plan, which means that your family's medical status and history will be used to determine your eligibility for coverage. When Underwriting reviews your Application, they will evaluate the medical information that you provide and determine whether coverage can be issued. Your premium may be impacted by certain factors. If additional premium is due, you will be notified after a medical underwriter has reviewed the application.

Preferred Provider Network (PPO)
Coinsurance will be waived for expenses incurred in the US within our direct-pay PPO. Simply present your identification card at the provider's office so that they may contact us to verify benefits and billing information. For your convenience, HCCMIS also offers an international network. Both networks are searchable through Client Zone, which is accessible with your Certificate number and date of birth once coverage has been approved. .

Not everyone travels abroad for six months to a year or more at a time. Many vacationers are only away from home for a week or two. Price and flexibility are therefore of major concern when shopping for international travel insurance. Atlas allows you to purchase just the right amount of coverage that you have a need for. Minimum policy terms are as short as seven days, with maximum terms up to a full year. You don't have to overbuy on your travel insurance. Atlas can tailor a plan specifically for you.

How Do I File a Claim?
Filing a claim is easy. Once your Application is accepted, you will receive a kit which contains a Claimant's Statement and Authorization form. Just complete this Claimant's Statement and Authorization form, attach original, itemized bills, and forward them to HCCMIS. Be sure to complete your claim form entirely, sign it, and indicate a convenient time and location to contact you in the event questions arise. If you have already paid certain expenses, attach copies of your paid receipts. You will be reimbursed for eligible expenses. In many cases, HCCMIS will make payment directly to the hospital or physician who treated you. Remember, you are responsible for the deductible, coinsurance, and any ineligible charges.

CitizenSecure Senior Plan
Eligibility for the standard CitizenSecure plans ends at age 75, but for those members who joined before age 65 and have maintained coverage for at least 10 years, the CitizenSecure Senior Plan is available with no medical questions. The CitizenSecure Senior Plan offers many of the same great benefits and limits as the standard CitizenSecure plan. The Senior Plan deductibles available are $5,000, $7,500, and $10,000. On the Senior Economy plan, the Overall Maximum Limit is reduced to $1 million. Additionally, the Human Organ Transplant and Emergency Medical Evacuation benefits are deleted.

Read Reviews (7) Write a Review Avg. Rating: 5 out of 5 Review(s) for CitizenSecure Economy Series