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Ask Our Specialists

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

Q:Difference between direct billing through- No PPO Network and First Health Network? What is the difference between direct billing through- No PPO Network and First Health Network?

A:
Which plan are you asking about specifically? Thanks I got the information by going thru your website. Thank you. If you have any other questions, please feel free to contact us at any time.
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Q:Visitor Insurance - Advice Needed Hi, My Parents are 68 & 66 Years old and they are visiting this month and will be staying for around 51/2 months. I need advice on the type of coverage to go Fixed Coverage or Comprehensive Coverage. They are in good health and i confused which one to select. Last time i have take Patriotic America and it was very expensive. Please advice which one i can choose. What is the disadvantage of having Fixed Coverage. Thanks Vijay Anand Kannan

A:
We always recommend everyone to buy comrehensive plan, never the fixed coverage plan. Please read /visitors-insurance/ to understand more. Fixed coverage plans only pay a fraction of the actual costs: Real examples that I have seen in last two weeks: Two days in the hospital: Bill - over $42,000. Fixed coverage paid $1,400/day. That is total $2,800. The customer has to pay the rest. Two days in the hospital: Bill - over $20,000. Fixed coverage paid $1,400/day. That is total $2,800. The customer has to pay the rest. Visit to emergency room: Total stay - 4 hours 10 minutes. No treatment, just tests and observation. Total bill - Over $16,000. Fixed coverage paid $330. The customer has to pay the rest. The healthcare costs in this country are very high. Even the most minor surgery can cost you easily $8,000 to $10,000. I just got back from the dentist appointment few minutes ago, and even with insurance, I paid $1,170 from my pocket. (That is exactly why I am replying after few hours. Otherwise, I would have replied right away). Did you know that a couple in their thirties with two kids would pay around $1,500/month in their domestic long term health insurance (with low copay, low deductible and low out of pocket max), if the employer didn't contribute anything? Expensive or low cost is a very relative term. Looking at the amount of coverage the comprehensive plans provide, they are very reasonably priced. Therefore, you can judge yourself and make an educated decision. If you have any further questions, please feel free to contact us any time. Thanks for you advice. It cleared my thoughts and going with either Patriotic America or Atlas. You are welcome. I am glad that you are making the right decision.
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Q:Visitors Insurance recommendation for 70+ My Dad is planning to visit us in USA for 5 months. He takes High Blood Pressure medication. Does not have any other health issues. Which health plan should I purchase for him. He is 70+ . Any recommendation will be appreciated..Thanks

A:
We always recommend that you buy comprehensive coverage plans. For 70+, there are essentially the choices of two policy maximum: either $50,000 or $100,000 If you would like to buy $50,000, either Patriot America or Atlas America are good choices. If you would like to buy $100,000, Patriot Platinum America is the best choice. We recommend $100,000. Please visit / and enter your criteria. You will see various plans that are available according to the criteria you entered. You will see various plans and their prices. You can compare them side by side and you can make an instant purchase online. If you have further questions, please feel free to post them here or contact us at any time. Thank you for your recommendation.
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Q:Need advice on Visitor Insurance Hi, My Aunt is visiting us in USA.She had diagnised with Breast Cancer in Oct'2008 and is taking the medication since then. Can you suggest me the best Insurance for her that covers: 1) Any illness arised from Pre-Existing condition. 2) If something happens bad,that covers Repatriation Of Remains. Basically i am looking for the best Insurance coverage for her health condition. Thanks Sekar

A:
1. There is no plan that would cover routine expenses related to pre-existing conditions. The best you can get is an acute onset of pre-existing conditions up to $15,000 for persons age below 70 years. Look at /atlasamerica-insurance/ 2. Repatriation of remains is covered only if the person dies from a covered incident. Now i want's to buy insurance for my aunt,and i am interested in Atlas Extra (since it's covering the pre-existing condition),How can i get the quote for Atlas Extra and buy it online? When i requested Quote online it's not allowing me to select plan type as Atlas Extra. Thanks Sekar Atlas Extra was discontinued several years ago.
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Q:Visitors Medical Insurance for Parents visiting USA Hi, I need some recommendations for medical insurance for my parents (age 55 & 53) visiting US next month for 6 months. They are healthy and done complete physical exam last month, all clear & no preexisting condition. I am looking for low permium insurance which covers good amount on physician's visit, urgent care/ER and lab work. I also would like to know the downside of taking insurance for alternate months i.e. take insurance for 1st month and renew it in may be 3rd or 4th month. Thanks in Advance, Aditya

A:
1. You can look at any of the comprehensive plans such as Patriot America or Atlas America. They are good. Available at / 2. You should buy the insurance for the entire duration because you never know when you would get sick. If you skip the insurance for some time, what if you get sick or injured just at that time? I am looking for insurance for my visiting parents for 3 months. Both Patriot America and Atlas looks good. I am looking for a comparison of the two plans so that i can decide which one is better for my need. My father is 69+ and mother is 65+ yrs old. Please visit https://www.insubuy.com and enter your criteria. You will see many plans including Patriot America and Atlas America. Next to each plan, on the extreme left, you will see the check boxes. Check them and click on the orange color 'Compare' button. You will see the detailed comparison of both the plans. If you have any further questions, please post them here or contact us at any time. #2 i would like to know if i take insurance for alternate months, does this consider as Repurchase or Renew? You must renew the insurance before it expires. If you let it lapse, it will be a new purchase and all the terms and conditions of the insurance plan would start all over again. I would never recommend that you do this. Hi, My parents are planning to visit USA for 6 months. My father is 61 years old and had a bypass surgery in dec'08. My mother is 57 years old and is healthy with no medical conditions. I would like to know which insurance will work best for my father. He has no health problems right now. I checked the quotes here and I see that Atlas insurance covers $15000 for pre-existing conditions? Is it because of the new health bill passed? I would like to know what will be the best insurance to buy for my father. Thanks! Visitors insurance has nothing to do with the U.S. health care bill which is only applicable to the U.S. people in the U.S. Atlas America covers an acute onset of pre-existing conditions up to $15,000 for persons age below 70 years. This feature is available since May 2008. In your situation, Altas America would be suitable as that would provide the most coverage you are looking for.
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Q:International insurance on OPT My wife is on F1 visa for more than 2 yrs. She is graduating on Jul (25th) this year. My daughter (4 yrs born here) was a dependent on the same university insurance for more than 2 yrs. I have my own insurance being on H1B. (My company only encourages dependent insurance for H4 visa). Our second child is arriving in May and per hospital he will be on mother's insurance for the first month i.e till May end. We have to still research whether the University will allow that child to be part of my wife's insurance till July end. My wife is intending to start her OPT from Aug, worst case scenario is based on the job market she will be forced to take one/two credit for next fall(to maintain status) and continue her job search. In this case university insurance might not be valid for her. Also in this case she might defer OPT to start to post Nov. My question is (for the next 6 months from May or Jul (not sure)) that out of the 3 options for OPT insurance which option might be the best fit for her and considering the new born in equation when is the right time to start it

A:
For any maternity, child birth or child care related expenses, your best option is to continue her university insurance. If you try to buy the insurance from open market, none of that would be covered.
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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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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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

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