The LRFA Emergency Accident and Health Benefit Plan is designed to enable LRFA members to obtain coverage of medical and emergency expenses incurred by their relatives/friends visiting the United States from abroad for up to twelve months.
The LRFA Emergency Accident and Health Benefit Plan for Visitors from Abroad is not a general health insurance policy, but an interim travel medical plan intended for use while visiting the United States. Benefit payments for medical expenses are made after coverage eligibility is determined by the LRFA.
Enrollment & Eligibility
Any adult (over age 18) relative/friend of an existing LFRA member, who is a foreign national, and their natural or legally adopted children over 14 days and under 18 years of age, while on a legal trip to the United States for a period not to exceed 12 months, is eligible for this coverage. To enroll, the LRFA member must complete the application form LRFA, Inc. Emergency Accident & Health Benefit Plan For Visitors From Abroad and return it with payment for coverage to LRFA, prior to the visitor(s) departure from their home country.
All contacts, correspondence, etc. regarding the covered visitor will be made with the LRFA member only.
Effective Date & Termination
Individual coverage will become effective upon the latest of the following: (1) the moment of arrival in the United States, or (2) the date the application and payment is received, or (3) the date requested in the application.
Individual coverage will terminate upon the earliest of the following: (1) the moment the covered person leaves for a location outside the United States, (2) the expiration of twelve months from the effective date of the coverage, or (3) the date the agreement terminates. Generally, this coverage cannot exceed twelve months. However, coverage may be extended for up to an additional twelve months by contacting LRFA, Inc.
Not Covered
Vistors to the U.S. are not eligible for benefits if they are hospitalized due to a mental illness, AIDS, war injuries, or injuries resulting from participation in demonstrations or police actions. Benefits do not apply if the individual is receiving medical care in nursing homes, convalescent residences, mental institutions, extended care facilities, state hospitals, VA hospitals, or drug and alcohol rehabilitation clinics.
Requests for Benefits
Benefits may be requested from the LRFA office, no later than six (6) months after treatment or examination. The participant must complete and sign a benefit request form, and submit it along with all hospital and physician bills (or legible copies). Bills must clearly show dates of treatment, types of treatment/operation, diagnosis and cost.
These pages are designed to provide general descriptions of our benefit plans and further restrictions may apply or may have changed. For further information, please contact the LRFA office or refer to specific plan Regulations.
