Plan pays 80% of first $5,000; then 100% (In network with direct billing, pays 100%) Comprehensive coverage plan Coverage from 5 days to 364 days Renewable and Cancelable PPO network (See list of doctors and hospitals) Covers during international travel $50,000 or $100,000 coverage for acute onset of pre-existing conditions Not available for purchase to a resident of New York (NY) state.