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Hello, In most cases, if you go in network the providers (doctors, hospitals, urgent care centers, etc.) will bill directly but there is no way to guarantee which providers will or will not. The only way you can get more information about the billing practice is to contact the providers directly. If you do contact them you will need to reference the PPO network names such as First Health, Coventry or Multiplan PPO. If an provider chooses not to bill directly then you will have to pay upfront & then file for reimbursement. If you have any further questions please feel free to contact us. Hi, Thanks for very prompt reply. I would greatly appreciate if you can kindly answer following queries. 1. If we are buying insurance from you, in case an provider chooses not to bill directly and we have to pay upfront and then file for reimbursement, will you help us with settlement of claim? 2. Out of the four plans mentioned (Atlas America, Liaison Continent A, Patriot America, Safe Travels USA), which plan would you recommend? In case you have other better options, kindly suggest those as well. 3. Can I buy the plan from India? Would you mail the policy to non USA address or you need address in USA? Your reply will help us buy the plan at an early date. With best regards, 1. We are not involved in day to day claim activities. However, if you have any problems with the claim, you can certainly contact us and we will be glad to help you. 2. You can purchase Atlas America, available at /atlasamerica-insurance/ 3. As the purchase is online, you can purchase it from anywhere. You will receive the policy by email immediately. Additionally, you will receive the policy to whatever mailing address you specify, whether it is India or US or anywhere else. Please let us know if you have any other questions.

Thank you for your interest in purchasing visitors insurance for your mother. Unfortunately, there is no plan available anywhere that would cover everything. Each plan has their own terms and conditions. Please look at /atlasamerica-insurance/ It is an excellent plan. If you have any other questions, please feel free to contact us at any time. Firstly, is this policy valid in Canada? Secondly, what will be the premium if I buy this Atlas America Insurance policy for $ 100000.00 1. Yes. 2. The premium information is on the link I sent you. For $100,000 the price would be Deductible Price $0 - $1149.18 $100 - $1009.56 $250 - $918.27 $500- $826.98 $1000 - $733.90 $2500 - $642.61 Please let me know if you have any other questions. -

If someone is visiting the US for 82 days on a visitors visa, that person would definitely be eligible for Atlas America insurance, available at /atlasamerica-insurance/ By the way, visitors to USA are not considered US residents. That is because even though they are physically present in the US, they don’t really live here.

Thank you for your interest in purchasing visitors insurance for your parents. I certainly remember you as you have purchased the insurance from us several times in the past. For your father, based on the policy maximum you would like to go for, here are my recommendations: $50,000 - Patriot America $100,000 - Atlas America $150,000 - Patriot America + Atlas America $200,000 - Patriot Platinum America + Atlas America $250,000 - Liaison Continent (It must be purchased first BEFORE any other ones) + Patriot Platinum America + Atlas America For your mother, you can consider purchasing Atlas America. All of the plans are available at our web site https://www.insubuy.com Please let me know if you have any other questions. I have purchased policies for my Dad and Mom (Atlas) from InsuBuy. Your personal attention in replying to my emails and calling me on the phone is why I like to do business with you and your firm. Thanks, I appreciate that from you, and pls. keep up the good job of giving care and attention to your clients. Thanks, You are welcome. And thank you for your business. If there is anything else we can help you with, please feel free to contact us at any time.

Thank you for your interest in purchasing travel medical insurance. Please look at /patriot-america-lite-insurance/ You can purchase it up to 2 years. Please let us know if you have any other questions.

Thank you for your interest in purchasing Atlas America for your parents. I am sorry to hear that the provider you contacted didn’t provide you with the correct answer. What they are doing is a breach of contract they have signed with First Health/Coventry and they are absolutely not supposed to do anything like that. Could you kindly give us the name of the provider so that we can work with them to educate them and solve the matter? Thanks for your response! I contacted the provider again at a different telephone #, and they say they don't have such a restriction, but they advise that I call First Health/Coventry to check if they are in-network with them. What is the best way to contact the insurance provider? I called them at a number listed on their website and could never get through to a representative. You are welcome. You can look at the list of providers online at /travel-and-student-insurance-ppo-network/ That is the most up to date list. You can also call us at (866) INSU-BUY and we would be glad to help you locate the providers in your area. We are open till 9 PM Central Time.