Alliant Federation 
Compare your health plan options
Gold and Silver are temporary international medical/travel insurance plans, and both include Virtual Urgent Care. Virtual Urgent Care is not insurance, and you can also get it on its own. Prices shown come directly from our current rate table.
Your plan options
Gold
Temporary medical insurance administered by IMG that helps pay for emergencies, hospital stays and other medical bills while you are in the U.S. Through age 64, its maximum coverage limit is higher than Silver's. It also includes Virtual Urgent Care, which is not insurance: a doctor by phone, video, text or email, 24/7, in Spanish or English.
$5.61 / day
- Up to $500,000 USD in medical expenses
- Emergency medical evacuation up to $1,000,000 USD
- Emergencies and hospitalization covered
- COVID-19 covered like any other illness
Silver
Temporary medical insurance administered by IMG that helps pay for emergencies, hospital stays and other medical bills while you are in the U.S. It costs less than Gold, and its maximum coverage limit is lower. It also includes Virtual Urgent Care, which is not insurance: a doctor by phone, video, text or email, 24/7, in Spanish or English.
$4.16 / day
- Up to $100,000 USD in medical expenses
- Lower out-of-pocket cost out-of-network (only 10%)
- Emergency medical evacuation up to $1,000,000 USD
- Urgent care and clinic visits with copay from $15 USD
Virtual Urgent Care
A virtual care service, not insurance. Talk to a doctor in Spanish or English from anywhere in the U.S. Use it for common problems like flu, fever or infections. It does not pay for hospital stays or emergency room visits. Gold and Silver already include it.
$39.00 / month
- Unlimited 24/7 doctor consults
- No deductible, no copays
- By phone, video, text or email
- Covers the family members you add to your plan, at no extra cost
Virtual Urgent Care is not insurance. It is included in Gold and Silver, and you can also get it on its own. It is not a substitute for emergency care — for a medical emergency, call 911.
How it works
From comparing plans to using your coverage — here is the whole path.
- Step 1
Compare the plans
Look at Gold and Silver side by side — price, coverage, and what each one does not include — and decide which one works for you.
- Step 2
Enroll online
Enrollment takes a few minutes. You will get a confirmation as soon as it is processed.
- Step 3
Use your coverage
Get your ID card, then use virtual care or an in-network clinic whenever you need it.
Who is responsible for what
Your coverage
Gold and Silver are temporary international medical/travel insurance. The insurer is SiriusPoint Specialty Insurance Corporation, and IMG (International Medical Group) is the Plan Administrator — IMG handles claims and pre-certification.
Alliant Federation
We are not the insurer. We help you compare plans, enroll, and answer your questions before and after you sign up.
Watch how Gold and Silver work
Seven short videos explain your plan, your benefits, how to use them, and how to file a claim. Watch them in order, or pick the topic you need.
Your plan at a glance
What Patriot America Plus is, who is behind it (Alliant Federation administers the benefit and SiriusPoint is the insurer), how long your coverage lasts, and where it covers you.
The video loads from YouTube when you press play and uses mobile data. If you can, watch it on Wi-Fi.Watch on YouTube (opens in a new tab)
Videos in this series
Gold and Silver cover the same types of benefits, but some amounts are different. Some videos use Gold’s figures as an example. To see Silver’s figures, check the tables on this page.
Gold vs. Silver vs. Virtual Urgent Care
| Gold | Silver | Virtual Urgent Care | |
|---|---|---|---|
| Product type | Temporary international medical/travel insurance + Virtual Urgent Care (not insurance) | Temporary international medical/travel insurance + Virtual Urgent Care (not insurance) | Virtual care service (not insurance) |
| Maximum coverage limit | $500,000 through age 64; lower from age 65 (see table by age) | $100,000 through age 69; lower from age 70 (see table by age) | Not applicable |
| Deductible | $500 per period of coverage | $500 per period of coverage | Not applicable |
| U.S. in-network | 100% eligible expenses after deductible | 100% eligible expenses after deductible | Not an IMG claim benefit |
| U.S. out-of-network | 80% after deductible; $1,000 coinsurance out-of-pocket maximum | 90% after deductible; $500 coinsurance out-of-pocket maximum | Not an IMG claim benefit |
| Virtual Urgent Care | Included | Included | Yes — it is the whole service |
| Current approved price reference | $5.61/day; ~$168.30 per 30 days | $4.16/day; ~$124.80 per 30 days | $39.00/month |
Compare with the coverage you get through your job
Before you decide, check what coverage you already have through your job. That way you choose what you are really missing and do not pay twice for the same thing.
What it is
- Workers' compensation
- Insurance your employer pays for. It covers injuries or illnesses caused by your work. H-2A employers must have it; for H-2B it depends on state law.
- Employer health plan
- Health insurance that some employers offer their workers. Not every employer offers one.
- Gold and Silver
- Temporary international medical/travel insurance that you buy, or that your employer buys for you.
Injury or accident at work
- Workers' compensation
- Yes — this is what it is for
- Employer health plan
- Depends on the plan
- Gold and Silver
- No, if workers' compensation pays or should pay for it — ask your employer
Illness or accident outside of work
- Workers' compensation
- No
- Employer health plan
- Depends on the plan
- Gold and Silver
- Yes, after the $500 deductible
Seeing a doctor by phone or video
- Workers' compensation
- No
- Employer health plan
- Depends on the plan
- Gold and Silver
- Yes — Virtual Urgent Care is included
Pregnancy, delivery, and preventive checkups
- Workers' compensation
- No
- Employer health plan
- Depends on the plan
- Gold and Silver
- No — they are excluded
Health problems you already had
- Workers' compensation
- No
- Employer health plan
- Depends on the plan
- Gold and Silver
- Usually no — they are excluded, with limited exceptions
If you change employers
- Workers' compensation
- Each employer provides its own
- Employer health plan
- Usually ends when you leave that job
- Gold and Silver
- Continues until the end of your coverage period, as long as you stay in the U.S.
Your family
- Workers' compensation
- Does not apply
- Employer health plan
- Depends on the plan
- Gold and Silver
- Only if you add them to your plan, at an extra cost for each one, and only while they are also outside their home country
| Workers' compensation | Employer health plan | Gold and Silver | |
|---|---|---|---|
| What it is | Insurance your employer pays for. It covers injuries or illnesses caused by your work. H-2A employers must have it; for H-2B it depends on state law. | Health insurance that some employers offer their workers. Not every employer offers one. | Temporary international medical/travel insurance that you buy, or that your employer buys for you. |
| Injury or accident at work | Yes — this is what it is for | Depends on the plan | No, if workers' compensation pays or should pay for it — ask your employer |
| Illness or accident outside of work | No | Depends on the plan | Yes, after the $500 deductible |
| Seeing a doctor by phone or video | No | Depends on the plan | Yes — Virtual Urgent Care is included |
| Pregnancy, delivery, and preventive checkups | No | Depends on the plan | No — they are excluded |
| Health problems you already had | No | Depends on the plan | Usually no — they are excluded, with limited exceptions |
| If you change employers | Each employer provides its own | Usually ends when you leave that job | Continues until the end of your coverage period, as long as you stay in the U.S. |
| Your family | Does not apply | Depends on the plan | Only if you add them to your plan, at an extra cost for each one, and only while they are also outside their home country |
This table is a general guide. What each insurance covers depends on its policy. For Gold and Silver, the rules in your certificate are what count.
If your employer already gives you a health plan that covers illness and accidents outside of work, you may not need another one. If it does not, Gold and Silver are an alternative to help you pay for an illness or an accident outside of work, after the deductible. Before you decide, check what they do not cover.
Questions to ask your employer
- Do I have workers' compensation? What do I do if I get hurt at work?
- Do you offer a health plan? Does it cover illness and accidents outside of work?
- How much is taken out of my pay for that plan, and when does it start covering me?
- Can I see a doctor by video, or at a clinic near where I will live?
- What happens to my coverage if my contract ends or I change employers?
Age-based certificate limits
The maximum benefit depends on the plan and on your age. Your Declaration shows the maximum that applies to you.
| Age | Gold | Silver |
|---|---|---|
| Through 64 | $500,000 | $100,000 |
| 65–69 | $100,000 | $100,000 |
| 70–79 | $50,000 | $50,000 |
| 80+ | $10,000 | $10,000 |
Subject to the current Declaration and policy — these figures do not override the controlling Master Policy, certificate, and riders.
What Gold and Silver cover
Worldwide coverage
Coverage length
Deductible
What you pay after the deductible
Urgent and walk-in clinics
Emergency room visits
Prescriptions
Emergency medical evacuation
Pre-certification
Questions people ask before enrolling
Straight answers to the questions that come up most.
Who pays for this — me or my employer?
Who is actually insuring me?
What happens to my coverage if I get let go or change ranches?
Does this information reach my employer or immigration?
How long does enrollment take, and what do I need?
Major limitations you should know
- Routine pre-existing conditions are excluded; limited acute-onset coverage may apply under strict conditions for members under 70.
- Maternity/pregnancy/delivery/newborn care, mental/nervous disorder treatment under IMG, preventive care/routine physicals/immunizations, and many other categories are excluded.
- Workers-compensation-payable or available expenses are excluded; this plan does not fill every workers compensation gap.
- The plan is not PPACA/ACA-compliant and does not provide all required PPACA benefits.
- Direct provider payment and provider participation are not guaranteed.
- The member Declaration and age-based limits control the actual maximum.
- Silver only: there is no coverage if, when you bought the plan, a physician had told you in writing that you were not medically fit to travel.
- Coverage ends the day you return to your home country. A short visit home of up to 14 days may stay covered if you have already paid for at least 30 days in a row and you are not going home to get treatment.
- Gold and Silver cover your family members only while they are also outside their home country, for example if they travel with you to the U.S. They do not cover family who stay at home.
- If you pay for care yourself, you have 180 days from the date of service to send IMG your complete claim. If IMG asks for more information, you have 60 days to send it. If a claim is denied, you have 90 days to appeal.
Ready to enroll, or want to talk it through first?
Start your enrollment online in a few minutes, or message us on WhatsApp if you still have questions.