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

Q:Global Medical Insurance Directory I am looking at your Global Medical Insurance Policy ; Can you please advise me as to if Parkview Noble Hospital in Kendallville, Indiana.. 46755 is part of your PPO directory.

A:
No, Here are the nearest hospitals in the area. You can buy it online at /expatriate-health-insurance/ 15 DEKALB MEMORIAL HOSPITAL 1316 E 7TH ST AUBURN, IN 46706 (260) 925-4600 20 PARKVIEW LAGRANGE HOSPITAL 207 N TOWNLINE RD LAGRANGE, IN 46761 (260) 463-2143 But, if something happened and I was ever in the position to need care at this Kendallville hospital ( when visiting my mom or…) I could still use it but pay the $250 non PPO fee ….and still be covered by the policy? If you go out of network there will not be any negotiated rate. Meaning that I pay my deductible and IMG pays the rest. ? For instance.. if I had to go to the emergency room at Parkview Noble… I pay my deductible and IMG picks up the rest.. even though Parkview Noble is not a PPO ?? I am in Haiti … and visit my mother in Kendallville, Indiana… What if I am in an auto accident or have a heart attack… or something that required me to go to Kendallville Noble, which is 1 miles away from my mom’s house…. The bottom line is… am I covered ? or do I have to try to get to Lagrange, 25 miles away ? You can always go out of the network. If you go out of the network, you have to first pay the deductible. Then insurance company pays 80% for first $5,000 in covered medical expenses, and 100% after that up to the policy maximum. Thanks for the clarification.. that is all I wanted to know ! I will be finalizing my purchase soon. You can purchase online at /expatriate-health-insurance/
{{currentOrigin}}/answers/expatriate-medical-insurance/global-medical-insurance-directoryi-am-looking-at-your-global-medical-insurance-policy-can-you-pleas-76861/

Q:Global Medical Insurance Directory I am looking at your Global Medical Insurance Policy ; Can you please advise me as to if Parkview Noble Hospital in Kendallville, Indiana.. 46755 is part of your PPO directory.

A:
No, Here are the nearest hospitals in the area. You can buy it online at /expatriate-health-insurance/ 15 DEKALB MEMORIAL HOSPITAL 1316 E 7TH ST AUBURN, IN 46706 (260) 925-4600 20 PARKVIEW LAGRANGE HOSPITAL 207 N TOWNLINE RD LAGRANGE, IN 46761 (260) 463-2143 But, if something happened and I was ever in the position to need care at this Kendallville hospital ( when visiting my mom or…) I could still use it but pay the $250 non PPO fee ….and still be covered by the policy? If you go out of network there will not be any negotiated rate. Meaning that I pay my deductible and IMG pays the rest. ? For instance.. if I had to go to the emergency room at Parkview Noble… I pay my deductible and IMG picks up the rest.. even though Parkview Noble is not a PPO ?? I am in Haiti … and visit my mother in Kendallville, Indiana… What if I am in an auto accident or have a heart attack… or something that required me to go to Kendallville Noble, which is 1 miles away from my mom’s house…. The bottom line is… am I covered ? or do I have to try to get to Lagrange, 25 miles away ? You can always go out of the network. If you go out of the network, you have to first pay the deductible. Then insurance company pays 80% for first $5,000 in covered medical expenses, and 100% after that up to the policy maximum. Thanks for the clarification.. that is all I wanted to know ! I will be finalizing my purchase soon. You can purchase online at /expatriate-health-insurance/
{{currentOrigin}}/answers/international-private-medical-insurance/global-medical-insurance-directoryi-am-looking-at-your-global-medical-insurance-policy-can-you-pleas-38493/

Q:Is Visitors Care insurance valid in Canada? I am going to invite my parents to Canada and buy a travel insurance for them. I found on-line your IMG's Visitor's Care plan. Could you please tell me if it's suitable for my parents in Canada and, if not, what can you recommend me in this case.

A:
Thank you for your interest in purchasing Visitors Care health insurance. Yes, it is suitable for your parents visiting to Canada. You will find Visitors Care plan online at /visitors-care-insurance/ You can get instant quotes, get all the coverage details and make instant purchase online. If you have any questions, please feel free to contact us.
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Q:Patriot America visitors medical insurance - need help I got your email from the immihelp discussions. My parents are in US already.they arrived on dec 10th. is there anyway I can buy insurnace for them from the date they arrived or which will cover this whole month.? I am looking to buy for both of my parents. my father aged 66 years and mother age 50. I saw a condition in the eligibilty requirements that the patriot america will not cover if the insurance is not purchased within 30 days of arrival. Please let me know your suggestions thanks

A:
No matter what your age is, you can always purchase Patriot America before coming to the US, or within 30 days of arrival in the US. If you are 65 years of age or above, you must not be without insurance for 30 days or more in order to purchase the insurance. Therefore, either purchase the insurance within 30 days of arrival in the US or have prior insurance that didn't expire 30 days or more prior to the effective date of this insurance.
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Q:Protection America purchase question I am a visitor from India in USA. I have already arrived here about a month and half back. I need to a health insurance here. I have gone through your web site. I found that Protection America IMG plan is the recommended one. I shall be here for up to Nov., 2008. Can I buy the health insurance plan now?

A:
Whether you can buy Protection America now or not depends upon how old you are and whether you had any prior insurance in US. Please call us at (866) INSU-BUY. I am 39 years old. And I do not have prior insurance in US. At present, I am in massachusetts. I hope that yours insurance will be applicable here as well. I have a medical insurance fron India. It does not cover out patient services. I do not know how it will behave in case of medical illness after going thru the postings at your web site. Yes, you are eligible to purchase Protection America.
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Q:Visitors medical insurance for my mother I have 3 seperate questions in regards to my mother an Indian citizen travelling to California to visit me. 1. My mother is leaving India to the US on the 16th. If I take the Protection America insurance, will the insurance cover from the time of departure in India i.e does the coverage include the air travel and any medical issues that arise on the plane 2. My mother is diabetic and we need to get blood tests done once in 3 months when she is here. Is there any way this can be covered as you said earlier that preexisting condition cannot be covered 3. Do you have any other insurance that will cover preexisting condition 4. If I take the insurance for one year, is there any discount on the premium

A:
I have 3 seperate questions in regards to my mother an Indian citizen travelling to California to visit me. 1. My mother is leaving India to the US on the 16th. If I take the Protection America insurance, will the insurance cover from the time of departure in India i.e does the coverage include the air travel and any medical issues that arise on the plane? >>> Yes, if you make the effective date 15th. 2. My mother is diabetic and we need to get blood tests done once in 3 months when she is here. Is there any way this can be covered as you said earlier that pre-existing condition cannot be covered? >>>> No. 3. Do you have any other insurance that will cover pre-existing condition? >>>> No such plan exists anywhere in the market. 4. If I take the insurance for one year, is there any discount on the premium? >>>> Yes and No. No matter for how long you purchase Protection America, total price remains the same. In short term plans, buying and paying is one and same thing. If you are willing to pay for at least 3 months upfront, you can go with Patriot America which has same coverage but cheaper. You can think of discount that way. /patriot-america-lite-insurance/ .
{{currentOrigin}}/answers/visitor-insurance/visitors-medical-insurance-for-my-motherdear-narendra-i-have-3-seperate-questions-in-regards-to-my-70721/

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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