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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I'm trying to find an insurance plan comparable to these guidelines: Deductible: None Covered Percentage: 100% of Preferred Allowance Office Visit Copay: $25 per visit Urgent Care Copay: $25 per visit Emergency Room Copay: $250 per visit (waived if admitted to hospital) Prescription Drugs: Paid at 65% per prescription (up to 31 day supply) Out of Pocket Maximum: $6,350 per person/$12,700 per family per policy year These are the benefits offered with an insurance plan through my student's school. They require something comparable in order to have outside coverage. Please let me know what options are available.
Q:My daughter is an international student from Korea and she is currently a freshman at Penn State University. Now she needs to enroll for the Fall semester and we are looking for possible health insurance for her during her stay in the States. I think your Patriot Exchange Program can be a great choice in terms of rates but could you please let me know if she is eligible for the program and whether it can be wavered from Penn State Health Insurance Program (SHIP)? I would appreciate very much if you can get back to me on this soonest. These waiver requirements are from the Penn State University website. International Student and Dependent Waiver Standards for the Student Health Insurance Plan Effective August 10, 2017 All requirements must be met for a waiver to be granted: 1. U.S. carrier or entity is approved to do business in the U.S. and compliant with all guidelines of the Patient Protection and Affordable Care Act (PPACA) 2. Carrier has a filed and approved health insurance policy with the Commonwealth of Pennsylvania Department of Insurance or has a sponsored insurance plan that meets the waiver standards and is approved by the Student Health Insurance Office, together with a letter of financial guarantee directly from the plan sponsor 3. Coverage for 100% of preventive and contraceptive care (preventive examinations, immunizations and screening tests, as required by the PPACA and the Commonwealth of Pennsylvania for student health insurance plans) 4. Coverage for pre-existing conditions with no waiting period 5. Deductible no greater than $500; 6. Coverage for all essential benefits for accident and sickness, including prescription drug coverage, without limitation 7. Maternity Benefits (or Pregnancy) covered as any other illness or injury; 8. Inpatient and outpatient mental health/substance abuse as any other condition 9. No exclusions for injury or illness as a result of alcohol, drugs or attempted suicide 10. Worldwide coverage 11. $3,000 In-Network out-of-pocket maximum 12. $15,000/$30,000 Out-of-Network out-of-pocket maximum 13. OR U.S. employer sponsored health insurance in place of standards 1-12; 14. And Medical evacuation ($100,000/Repatriation ($50,000) minimum limits. Please Note: new waiver requirements for 2017-18 require all plans to be filed with the Pennsylvania Department of Insurance, or be approved by the Penn State Student Health Insurance Office and accompanied by a letter of financial guarantee for services not covered from the plan sponsor. This will eliminate short-term International Standards Organization (ISO) plans. In addition, Penn State students will no longer be eligible to purchase health insurance plans through Student Medicover, as part of a new agreement with United Healthcare Student Resources.
Q:Hi, I'm an Italian citizen currently living in New Zealand. On the 25th August I'll fly to the US with a tourist ESTA visa and I'd like to open an health insurance plan and I was considering few offers on your website. I was looking at 'Atlas America Insurance' and I have a couple of questions: 1) Am I cover even if I'm not an American citizen? 2) In case of an accident, is the transport to the hospital (through ambulance or helicopter) covered? 3) If I'll get hospitalized or I have to see a doctor, who is supposed to pay for the bill at that moment? Myself and then the insurance will refund the money later (after the deductible) or the payment will be hold (just showing the insurance number) until the insurance itself pay?
Q:I am an international undergraduate student at Pennsylvania State University. I wanted to know if any of your student insurance plans would be accepted at Penn State for the academic year 2017-2018.
Q:I am an international student with F-1 visa. I will be enrolled to the University of Texas at Dallas this 2017 Fall. Is there any available health insurance I can purchase and also meet my school's waive requirement?
Q:I'm planning to get Patriot America Plus Travel Insurance, but I have a question. My university requires me to have inpatient and outpatient mental health care in the US. In the Plan Benefits page I see that Mental & Nervous Disorder is not applicable. However when I search for PPO network, I see hospitals listed for mental health care. Could you please let me know if mental health care is included with this insurance? Thanks
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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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You cannot find a lower price anywhere for the same product.
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Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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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You are not eligible to enroll in Medicare for the first 5 years.
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You could lose your non-refundable trip costs if you had to cancel your trip.
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Learn MoreAre 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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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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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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