PCU Blog
Are over-the-counter drugs covered?
No.
Does my coverage include any dental benefits?
Yes. Damage to sound natural teeth sustained in a covered Accident involving face, skull, neck and/or jaw Injury is covered if treated at a Hospital as an Emergency. Non-emergency dental treatment in a dental office following a covered accident is covered up to $300. Also, AnyTime and GoTime include $100 for palliative care in the […]
What is my Coinsurance under my TripTime plan?
Coinsurance is the percentage of Eligible Medical Expenses you must pay, in excess of your Deductible. If you incur Eligible Medical Expenses outside the US, you pay no Coinsurance. If you incur Eligible Medical Expenses in the US but not with a Preferred Medical Provider, PCU pays 50% of covered charges after you pay a […]
Are organ transplants covered?
No.
Is vision care included in my plan?
All of our plans cover Emergency Eye Exams up to $150.
Am I required to use a Preferred Medical Provider if I am in the US?
No. You may select the medical provider of your choice. This is a Freedom of Choice plan.
Are my medical benefits the same, in or out of the Preferred Provider Network?
No. Claims incurred in the US outside of the Preferred Provider Network are subject to higher Coinsurance than claims incurred in the Preferred Provider Network.
What medical expenses are considered Eligible Medical Expenses?
You should always refer to your Certificate for a complete description of Eligible Medical Expenses. Generally, your plan includes coverage for Inpatient care, Outpatient care, diagnostic procedures including x-rays and laboratory services, and prescription drugs.
What is the Deductible for Eligible Medical Expenses?
The Deductible is the amount of money you must first pay out-of-pocket for Eligible Medical Expenses before benefits are payable.
Are expenses for treatment of Mental Health Disorders covered?
No.
Are medical expenses for care of my Newborn covered?
No.
What is the Maximum Benefit for Eligible Medical Expenses?
The Maximum Benefit is the maximum amount of money you can claim under your plan during your Certificate Period for your Eligible Medical Expenses.
