Health Insurance abroad!!!

Now I'm doing the shopping for the coverage abroad. I have found an array of different prices ranging from $240.00 - $860.00 for three months. It has been a trying time just to speak to someone at these companies to answer a simple question like "do I have to pay for procedure up front and then file a claim to recover my expenses or does the ins. company pay(I pay a co-pay) up front and we settle afterwards....etc....? But I do not get a straight answer and I am always asked to refer to the written policy pages. Conclusion: I will just go with what was recommended to me buy a friend that has done traveling to the USA from Italy.  Word of mouth is the most powerful form of advertising!!!!!!  BTW cost of coverage will be $280.00 which includes emergency evacuation back to the US.   Till next post..........