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WELCOME TO
BEST DOCTORS'
E-BOOK

In this e-Book you will find our
products, exclusive services
and everything you need to
know about Best Doctors Insurance.

1

ABOUT
BEST DOCTORS

ABOUT
BEST DOCTORS

Best Doctors Insurance was created to help get access to the best medical care worldwide.

To achieve this, we developed excellent plans and services designed to provide treatment and the bes medical care no matter where you are.

Our health plans provide access to the exclusive and patented InterConsultation® service, an unbeatable benefit that lets you consult with the best specialists in the world.

Best Doctors works with renowned and prestigious doctors and hospitals; people who trust our health insurance and ensure that our customer receive the best possible service.

OUR PROMISE

To help you be absolutely certain that you are receiving the correct diagnosis and treatment, a difference that in many cases can save lives. Trust Best Doctors, your health is safe in our hands.

2

INSURE WITH
BEST DOCTORS

INSURE WITH
BEST DOCTORS

Be certain that you are making the right medical decision.

THE STEPS TO GETTING THE BEST COVERAGE:

1

CONTACT YOUR AGENT

An agent will explain the great advantages of membership with Best Doctors Insurance.

2

ANALYZE THE CONDITIONS OF YOUR COVERAGE

Your agent will help you choose the best health plan for you.

3

COMPLETE YOUR INSURANCE APPLICATION

Forms can be downloaded from the Best Doctors Insurance web page. www.bestdoctorsinsurance.com

4

RECEIVE YOUR WELCOME KIT

Here you will find all the information about your health plan and how you can begin to benefit from the medical certainty that Best Doctors Insurance offers.

3

HEALTH
PLANS

HEALTH PLANS

As a Best Doctors Insurance client, you have access to the following services which compliment your medical coverage:

  • DISCOUNTS IN PHARMACIES

    It is a benefit which all insured from Best Doctors Insurance can access to, whereby they will obtain discounts in outpatient drugs presenting the corresponding card in any of more than 67,000 pharmacies (CVS, Walgreens, Rite Aid, Walmart, and others) from OptumRX™ chain, a division from UnitedHealthCare all over the US.

  • NETWORK OF EXCELLENT MEDICAL PROVIDERS

    As an insured of Best Doctors Insurance, you count with the Exclusive Network of Excellent Medical Providers which allow you to access to the best hospitals and clinics in Latin America and the US. Each and every one of our providers is selected carefully and counts with specialists of high level and of an excellent service. When the insured chooses a provider from the US which corresponds to his plan, if applying, he optimizes the benefits that this policy offers, avoiding certain restrictions – in case he chooses providers from an outside network.

  • NETWORK OF MATERNITY, ELITE MEDICAL PROVIDERS

    It is the exclusive hospitals’ network for maternity, for insured of the Elite Medical Plan, where a normal birth has a 100% coverage.

  • DOCTORS @ YOUR HOME

    In minor cases of emergency - because of being an insured of Best Doctors Insurance - you count with the service of medical attention at home. For more information about coverage areas and coordination for direct payment to providers, please contact a Precert from Best Doctors Insurance.

  • EMERGENCY SERVICE 24 HOURS

    It is a service provided by Best Doctors Insurance in order to make a follow up to the service of medical coordination for emergencies that happen outside of regular office hours (at night, weekends or holidays).

For more information or coverage coordination in any of our services, please contact us at:
E-mail: precert@bestdoctorsinsurance.com
Tel: 1-305-269-2521

HEALTH PLANS

CHOOSE YOUR HEALTH PLANS

Best Doctors Insurance offers excellent health plans with broad coverage, carefully designed to attend to your specific needs.

With Medical Elite™ you can enjoy exceptional VIP benefits and a special level of care anywhere in the world.

Have the most complete Health Plans anywhere in the world and enjoy the best benefits, such as coverage for transplants.

This plan gives you access to the best doctors and hospitals worldwide through our network and hospitalization, outpatient, maternity, and repatriation coverage.

Maximum protection in the case of a catastrophic medical event, including transplants, cardiovascular surgery, serious injury and burns.

Provides excellent medical benefits, giving our members the broadest medical treatment options in the USA under an extensive networkwith the best hospitals in the country.

Only available in Chile.

This plan provides coverage in a complete benefits package, giving the person the freedomto choose exclusive doctors and hospitals.

MEDICAL CARE available in Latin America and the Caribbean, excluding Mexico, Venezuela and Brazil

MEDICAL
ELITE

A PLAN WITH
EXCEPTIONAL VIP
SERVICE AT YOUR FINGERT

PREMIER
PLUS

A FLEXIBLE PLAN
WITH ACCESS TO
PREMIER BENEFITS.

GLOBAL
CARE

BENEFITS AND THE BEST
HOSPITALS IN
THE SAME PLAN

ULTIMATE
CARE

A PLAN WITH
MAXIMUM COVERAGE
FOR CATASTROPHES.

ADVANCED
CARE PLUS

PLAN WITH
INTERNATIONAL COVERAGE
AND BENEFITS.

MEDICAL
CARE

YOUR PLAN WITH
TOTAL ACCESS TO
EXCLUSIVE HOSPITALS.

4

EXCLUSIVE
SERVICES

Patient Services

Expedite your arrangements related to Exclusive Services through Patient Services from Best Doctors Insurance. With only one call, you will receive personalized attention from one of our representatives, who will accompany you throughout the whole process and will be available to ease you all the medical procedures corresponding to your Exclusive Services. Another tool from Best Doctors Insurance to offer you an excellent service.

EXCLUSIVE SERVICES

InterConsultation®

What is the InterConsultation® Service?

It is an exclusive and patented service of Best Doctors Inc., which consists of the review of medical information by a Best Doctors expert, in order to obtain the correct diagnosis and treatment.

Who are the Best Doctors Specialist?

Best Doctors Inc. are experts selected by their peers who have identified them as the best specialists in the world.

Best Doctors identifies and selects, the doctors in each country whose exceptional level of clinical excellence positions them among the best and most respected 5% of specialists in their fields

STEPS TO COMPLETE YOUR INTERCONSULTATION®

1

CONTACT US

A phone call will connect you with one of our doctors dedicated to providing you with support throughout the process.

  • Fill out the InterConsultation®form.
  • Ask your attending physician to provide an updated summary of your medical history, including current treatments, medications, etc.
  • Collect all the imaging studies that have been done for the pathology regarding which you wish to consult, for example: MRIs, X-rays, CAT scans, CD and others.
  • Send the complete document package by mail, fax or email or through your agent to one of the following addresses.
2

RESEARCH

The InterConsultation® team is comprised of more than 53,000 internationally renowned specialists. The most qualified expert for the case will take chargeof making the final, most appropriate recommendation regarding the diagnosis and treatment for your medical condition.

CONTACT INTERCONSULTATION®

BEST DOCTORS, INC.

Attention:
Direct Insurance InterConsultation
Presidents Place
1250 Hancock Street, Suite 501N
Quincy, MA 02169

InterConsultaDI@bestdoctors.com

Toll free in the US
1 866 902 7775
Collect call in the US
1 305 269 2521

3

REPLY

The Best Doctors specialistwill prepare an in-depth reportsummarizing his/her findings,which may confirm or suggesta change in diagnosis andtreatment options.

When you receive the final report, both you and your attending physician may decide what the mostappropriate steps to follow in your treatment.

Best Doctors Inc. is an independent company. We use the medical community survey exclusively to select doctors for our database. Specialists are not paid to be included in our database or to participate in the survey. Gallup® has audited and certified the database of Best Doctors Inc. physicians, as well as the methodology used and the standard quality survey processes that are the highest in the industry.

Best Doctors Inc. uses the expert database to find a doctor who has been selected as the best in his/her field by other top doctors, and who can help answer questions regarding your medical condition.

From the exclusive database of 53,000 renowned specialists worldwide, the InterConsultation® team will select an expert who is the best qualified to give you the most precise recommendation regarding the diagnosis and treatment for your medical condition. Experts currently in the Best Doctors Inc. global network, receive this survey and the vote to appoint Best Doctor specialists. Our survey asks the doctors to identify the specialists they consider to be the leaders in their field and whom they would trust with their own and their loved ones’ health.

Subsequently, the specialist designated for the network is reviewed, at which time Best Doctors Inc. verifies his/her licenses, certifications, achievements and disciplinary sanctions. To ensure the integrity of the network, we begin the process every 18 months.

Best Doctors does not give or accept professional fees for the privilege of being included in the network. The specialists can only be accepted into the network in a peer-reviewed nomination and survey.

Best Doctors Inc. does not publish or sell the names of our network specialists.

This process usually takes two to three weeks from when we receive all the information related with your medical history, although it can take longer if additional information is needed.

A. CONTACT US:

Call Best Doctors or your agent to initiate the InterConsultation® process.

B. RESEARCH:

Our multidisciplinary team of doctors will review your medical history and create a profile of the main concerns and questions.

C. ANSWERS:

The Best Doctors Expert(s) will review your information and prepare an in-depth report summarizing the findings, which will either confirm or recommend changes in the diagnoses or treatment options

The doctor assigned to your case will carefully review with you the report of the experts and answer any questions you may have. When you receive the report, you and your attending physicians can work together to choose the most appropriate next steps.

If you have questions about the InterConsultation® report, please contact Best Doctors. If it is an emergency, please contact your attending physician or dial the medical emergency number in the country where you are residing at the time.

The Best Doctors expert does not replace your attending physician. InterConsultation® is designed to complement the care you receive from your attending physician. You receive the best possible medical advice so that you and your doctor can make the best possible medical decisions.

You should expect your first InterConsultation® contact within the 24 hours after first having contacted Best Doctors Inc.

EXCLUSIVE SERVICES

Best Doctors Concierge

Best Doctors VIP Service

With Best Doctors Concierge™* you can coordinate:

  • Hotel Reservations
  • Travel Itineraries
  • Medical Appointments
  • Translation Services for Medical Documentation

With just one call you will have access to this exclusive service and medical care outside your home country:

Collect call 1 305 269 2521
Toll Free in the USA 866 902 7775
Toll Free from Venezuela 58 212 771 9274
Email to: precert@bestdoctors.com

* The insured is responsible for travel expenses, lodging and transportation.

Our Best Doctors Concierge™ representatives will assist you with coordinating lodging at a hotel,transportation services, translationof medical documents and withcoordinating your medical appointments and hospital admissions.

EXCLUSIVE SERVICES

EliteNavigator

We will be waiting for your call to be able to provide you with additional information. Remember, you can find our contact information on the back of your insurance identification card.

Exclusive Service of our Medical Elite™ plan

With Medical Elite™ you will have access to an assigned support physician, who will help you interpret medical exams and provide all the tools so that you can voice your concerns more effectively to your attending physician.

For the Medical Elite™ member requiring an answer to less seriousconcerns, these can be resolved by a simple phone call, with whichthe member will have access to customized consultations with oursupport doctors, who will provide detailed explanations of lab tests,medical results, side effects, vaccinations and preventive measures.

At Best Doctors Insurance our goal is to provide security and peace of mind,which is why our support physicians will help you prepare a list ofquestions to ask your attending physicians, thereby guaranteeingthe best possible care.

5

BEFORE
UNDERGOING
TREATMENT

Here is a list that you should carefully review before undergoing medical treatment.

Before any Treatment:

Have your insurance identification card with you.

Call us to make sure your Health Plan covers the services you wish to use.

Call us to check whether the relevant waiting periods (if any) have been completed.

When admitted to a Hospital

Consult us if any of your medical expenses are not covered. If they are not, you will have to pay for those expenses upon admission or before discharge. Usually, Best Doctors Insurance pays providers directly for medical expenses, offering you convenience and peace of mind.

If your policy specifies that you should use a hospital that is part of a network, please contact us so we can verify that your preferred hospital is in the network and we can coordinate the service.

You can access the updated list of the Best Doctors Network on our web page:
www.bestdoctorsinsurance.com or by calling the Notification Center.

Notifications

Contact us for notification of treatment or changes in policy, such as including a newborn.

Contact us:

Collect call 1.305.269.2521
Toll free in USA 1.866.902.7775

Fax 1.800.476.1160

During a medical emergency

If you have emergency treatment, you must notify Best Doctors within the next 48 hours from the moment those medical services are received. If you do not notify us within the established timeframe you will be liable for 30% of all covered medical expenses.

Air ambulance services must be approved by Best Doctors Insurance so that the transportation and hospitalization can be coordinated as efficiently as possible.

Elective procedures and surgery

For elective procedures, scheduled surgeries, Magnetic Resonance Imaging (MRIs), Computerized Tomography (CTs), major diagnostic examinations and other procedures, you must notify Best Doctors at least 72 hours prior to receiving these services. If you do not notify us within the established timeframe, you will be liable for 30% of all covered medical expenses.

When you call us

When you call Best Doctors Insurance with a notification, please have the following information on hand:

Patient’s name

Date of birth

Policy number

Diagnosis and proposed treatment

Approximate extent of stay

Doctor’s professional fees and estimated cost (if available)

Medical history

Name of attending physician(s) and/ or hospital selected

Best Doctors Insurance Notification Center

The Best Doctors Insurance Notification Center is open 24/7.

Collect call
1 305 269 2521
Toll free in USA
1 866 902 7775
Toll free from Venezuela
58 2123354571
Toll free from Madrid
34 911880065
Toll free from Chile
56 25708575
Toll free from México
52 5547469789
Toll free from Perú
51 17056251
Toll free from Trinidad & Tobago
1 888 8269630

Fax 1 800 476 1160
precert@bestdoctors.com
www.bestdoctorsinsurance.com

All toll-free numbers are listed in our website.
6

HOW TO FILE
A CLAIM

HOW TO FILE A CLAIM

We do our best to provide reimbursements within 10 business days after approval of your claim. Before a reimbursement can be made, you must pay your deductible.
1

If you choose a medical center in the Best Doctors Insurance Network, you do not have to fill out the claim form; simply present your insurance ID card and we will take care of your bills directly whith the hospital.

2

If you need to file a claim regarding a hospital outside the Best Doctors network or for reimbursement, fill out the claim form and submit it with the following information:

  • Original invoices
  • Medical history we consider necessary
  • Available police report (if applicable)
3

All claims, provided the information is complete, will be processed within a period of 10 to 21 days from the date on which they are received.

Where to file your claims

Inside the USA

Best Doctors Insurance Claims Center
5201 Blue Lagoon Drive, suíte 300, Miami, FL 33126
Phone 1 305 269 2521
Fax 1 800 476 1160
www.bestdoctorsinsurance.com
precert@bestdoctors.com

Collect call 1 305 269 2521
Toll free in USA1 866 902 7775
Fax 1 800 476 1160 www.bestdoctorsinsurance.com

BEST DOCTORSMEDICAL CERTAINTY
WITHIN YOUR REACH