United States insurance

If you have time I will quickly tell you my experiences in the field of disease in the United States We must first of all that I said that I have a normal social couvertiue: + mutual safety and with my liability insurance to MAIF I benefit from the international mutual insurance (excellent) Case 1: Is the United States: the 2 / 3 of the trip my husband did not feel well: high fever, etc. ... Hospital emergency first night. Diagnosis: cold snap so doliprane treatment. the hospital would send the bill to the house in France. But as the fever of my husband did not fall (after 2 days) of new hospitals and the verdict double pneumonia. I immediately took contac with international mutual assistance (it was a July 14 in France) and they take everything in hand relationship with the hospitals and doctors, looking for a hotel for me and my three children and direct payment to the hotel for the night Waiting for my husband's diagnosis came out of the hospital the night after seeing two heads of emergency, a pulmonologist, a specialist in tropical diseases, radio, blood, isolation room Total for fear of a contagious disease it all night. They let him out of the hospital not knowing yet what had caused this double pneumonia but has ruled out any risk of infectious disease and with an antibiotic. The mutual inter settled the hotel, all expenses hoitaux (I had the opportunity to tell them that we had already made a hospital). the end of the trip was with my husband ko folklore (he was sleeping in the car while my 3 children and myself were making visits to Washington). the doctor of the mutual inter regularly reminded my husband how he was going. He did not want my husband to resume the plane with us as long as the fever was not completely fallen. they would have supported the hotel and repatriation but my husband still wanted to go with us despite the risks due to the pneumonia in the air (pressurization). arrival in France the diagnosis falls: legionellosis due to air conditioning. We can die if the disease is not caught in time and which may have saved my husband is that in the hospital without knowing what it was exactly, the antibiotic that doctors have passed on to declared as a nuclear bomb from the doctor in France. All that to say that in this case, the inter muttuelle has paid the fees but ... I had to send papers to my safety and mutual set me a small part. this small part, I had to return it to the mutual inter took over everything else. I have not spent a penny. Be aware that there were more than $ 3,000 for care at the hospital. 2nd case last year in the West: my daughter conjunctivitis. we still have immediately called the mutual inter opened a file. we went to the doctor we paid and then bought the drops that we have also paid (85 $!!!!!!!). Coming back, we sent all the papers to the safety and mutual we repaid a portion. we still have our $ 64 charge that the mutual inter will reimburse us in full. So here again not a penny of our pocket. against by the level of safety is a long time to deal with treatment abroad as it has only one translator for all of France and it takes them about six months. It is therefore essential that you be aware of the mutual inter you must have your liability and their guarantees and take no other insurance if their guarantees are satisfactory: pray over total health care costs, repatriation, .... etc. .... last thing, keep all medical bills and make several copies, the originals seeking safety.