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

Q:protection america for parents I would like to buy insurance for my parents (Ages:63 and 54) who will be here for about 5 months and have some questions regarding the policy. I am interested in buying the Protection America policy with a policy maximum of $50,000. Is the policy maximum for one person? i.e. $50,000/person. Please let me know.

A:
Everything is per person. $50,000 is per person. Deductible you select is per person, premiums are per person as well. Please let me know if you have any other questions. Before we go to the hospital, do we need pre-approval from the Insurance company? Please let me know. For simple things like Dr. visit etc, you don't have to do any pre-certification. However, for major things like hospitalization, surgery, CTScan/MRI, major treatment etc, you will have to call the phone number on the health insurance card and let them know. That is what pre-certification all about. It is not very complicated. Please let me know if you have any other questions.
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Q:rate for age category I'm 29, I want to be a visitor J1 (Puerto Rico Universtity) so I'm interested in purchasing a policy for 5 months plan A within the period november 2005 to March 2006. I'm planning to buy it this month, but Im not sure because I'm 29 but in 17 February 2006 I will be 30 years. What rate should I have to pay? Is it possible pay for the rate (19-29 years) because it's my age at this moment purchase?

A:
You have to apply according to age 29. Are those policies accepted in Puerto Rico at Mayaguez? You are NOT eligible for Visit USA-Healthcare plan as that covers only within USA. To be covered in Puerto Rico, you have to purchase InterMedical (Plan B), available at /intermedical-insurance/ In that plan, you can go to any hospital. There is no restriction.
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Q:pre-existing question I have parents who are new immigrants to usa. Both over 65 years of age. Obviously have pre-existing conditions. I want them to come to Canada and stay with me for 4-6 months. Do u have plans that would cover them well for Arthritis, Allergies, BP mammogram etc. I would appreciate your feedback.

A:
There is no plan from any company that will cover pre-existing conditions for new immigrants to USA.
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Q:no US mailing address for application Dear Ladies and Gentleman, I am a Student from Germany planning an internship at a company in Toledo from October on. Therefore I need an health insurance which fullfills the requirements of a J1 visa. I tried to complete your online purchase form, but I cannot name a US mailing address yet. It is also possible for you to send the Insurance Certificate to Germany?

A:
Thank you for your interest in purchasing J1 visa insurance from us. You can specify our US address which is InsuBuy, LLC 4700 Dexter Dr, Suite 100, Plano, TX 75093 And please give me your complete Germany address. Once we receive the card from the insurance company, we will mail it to your Germany address. Please let me know if you have any other questions. Please note that our address is changed: InsuBuy.com 3105 Broken Bow Way, Suite 100 Plano, TX 75093
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Q:study usa plan b I want to buy plan b before friday but I need you to fill out a form and fax it to my university please contact me as soon as possible.

A:
Please visit /international-student-health-insurance/ to purchase the insurance. After you purchase it, please fax the form to (703) 995-4571 and we will get it completed and fax it to your university. It is really?? Please clarify your question. In other words, could you please explain what you mean by your posting?
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Q:J2 visa, pregnancy question To whom it may concern, Dear Sir or Madam, I am a J1 visa holder. I am doing the post-doctoral research work in University of North Dakota. My wife is a J2 visa holder. And we will have a baby soon in this september. We want to buy a basic medical insurance that can make us eligible to stay in USA in the period of my contract. We want to buy a five-month insurance. So I just want to know how much per month for our conditions? Thank you very much.

A:
Please let me know whether your wife is already pregnant. Or is she planning to get pregnant? Thank you very much for your reply. Yes, my wife is already pregnant. And her due day is about 24 Sept. this year. We plan to buy a insurance from Oct. 1st. Thanks again. Please look at Visit USA-HealthCare at /j1-visa-health-insurance/ It meets all the requirements of J1/J2 visa insurance. You can get instant quotes, look at the plan details and make instant purchase online. If you have any questions, please feel free to contact us at any time. I have browsed this webpage your provided. Because I don't know the exact birth date of my coming baby, I cannot input my baby's information right now. If I just buy the insurance for my wife and I present time, then can I add my baby in my insurance later? Usually, how long it will take to buy an insurance? I mean if I buy insurance at the end of Sept. is it OK? Because my current insurance will expire on the last day of this Sept. Another problem is there is only one hospital "Altru Clinic Hospital" in Grand Forks, ND. I want to know if this hospital included in the insurance list. I know that from the webpage you provided, the monthly premiums is $63 for age range from 30 to 39 and $43 for age under 19 for a Plan A with $500 deductible per illness. So if I buy this insurance for my family, it should be $63 for me plus $63 for my wife plus $43 for my coming baby, and the total is $169 for my whole family per month, am I right? Thank you very much. 1. You can add the child later as long as the child is not born in US (Not US citizen). 2. Insurance can start as early as the next day or any future date you specify. Therefore, you can buy towards the end of Sept. 3. It is covered. You can verify by going to /travel-and-student-insurance-ppo-network/ and searching yourself. 4. Right. The prices on the website are accurate and up to date. If you have any other questions, please feel free to contact us at anytime.
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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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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?

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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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Are you an exchange visitor to USA?

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

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Traveling to Europe?

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

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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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Most schools require international students to purchase health insurance.

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