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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:Can you explain me the actual difference between fixed and comprehensive? How much will be the difference in terms of coverage? From the comparison table or your document, it looks all same to me only difference is in the copay etc..

A:
The fixed coverage plans pay a fixed amount according to the schedule of benefits and the comprehensive plans pay a percentage. So for example, if you go to an emergency room for a covered injury and you have a fixed plan the plan might allow $375 once the deductible is met, so if the bill is $5000 then the majority of the cost will come from your pocket. If you have that same emergency room bill with a comprehensive plan then the plan could pay 100% once the deductible is met. The fixed amounts and co-insurance will depend on the plan you choose.
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Q:Kindly send me the policies of the Patriot and the Atlas plans Need to get either one approved by my school

A:
You can find the plan information in the below links. Atlas Exchange Patriot Exchange Please click on the link and it will have various link like Certificate wording, brochure, instant purchase etc.
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Q:My name is Daiana and I'm a J1 post-doc staff from UC. I have 2 dependents, and I need get an insurance that covers medical evacuation and repatriation of remains only. Because I already have a medical benefit by UC. Can you send me the options please?

A:
We have the Atlas MedEvac plan that will cover the medical evacuation and repatriation as requested. If you have additional questions please feel free to contact our office.
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Q:I am trying to figure out whether my parents can buy travel insurance to cover their stay in the US. They both have US green card, but they are Chinese citizen. They will travel to the US for few months every year and stay with us. I am trying to figure out whether they can buy travel insurance to cover their stay, or they will have to buy Obama care.

A:
Thank you for contacting Insubuy for your insurance needs. The available plans for green card holders visiting the United States for a short period will cover any new accident or new illness that occurs after the effective date of the policy. Plans will not cover the pre-existing conditions, routine or preventative care, medications related to pre-existing conditions, or immunizations. These plans are not ACA compliant and will not stop any penalties assessed by the U.S. government should they be required to purchase a ACA compliant plan. Please use the link listed below for more information about the available plans for your parents and to generate a quote for coverage. If you would like assistance in selecting a plan for your parents please contact our office. New Immigrant Medical Insurance If you are looking for insurance to cover pre-existing conditions and preventative care you may want to consider ACA compliant plans.
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Q:We are green card holders that will live in Maryland. Are there any insurance options for us?

A:
Unfortunately, there is not a plan that we can offer you in the state of Maryland. It is recommended that you purchase a plan through ACA since you will be here for an extended period. If you need any additional clarification please contact our office.
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Q:I am an international student from Nigeria studying in the USA and I was looking at your plans online and got really interested. Can you kindly send me the policies for the following plans: 1. Patriot Exchange Program 2. Atlas Exchange - Choice and 3. Atlas Exchange - Essential Do all these plans has Emergency Medical Evacuation and Repatriation of Remains? Can I start the policy as soon as possible even though I have only been in the USA for 2 months now?

A:
Before we send any plan information would like to know which state do you need coverage, your age and how long do you need coverage? Patriot Exchange plan you will need to do paper application for Nigerian Citizen. ExchangeGuard you can do it online. Both plan meets standard J1 visa requirements. It covers evacuation and repatriation. Insurance will pay for any new sickness, injuries or accidents that may occur after the eff. date of the policy. Insurance will not pay for any pre-existing or preventive care. Insurance can start as early as tomorrow or any future date that you specify. Please feel free to contact us if you have any further questions.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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