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Ask Our Specialists

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

Q:Is there any online or virtual doctor in-network for us?

A:
It will vary by plan whether it offers telehealth or not. You can call our office at 1(866) 467-8289 for assistance in finding a provider or plan for you. You can also search for providers in your area using the following links. For plans that utilize the United HealthCare PPO Network. For plans that Utilize the First Health PPO Network.
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Q:Which pharmacy can refill prescription from an Indian Doctor ? Can you provide contact and name of that pharmacy. Thanks

A:
There is not a pharmacy that will fill a prescription in the U.S. if not prescribed by a U.S. doctor.
{{currentOrigin}}/answers/visitor-insurance/pharmacy-refill-prescription-indian-doctor-59751/

Q:Can I purchase trip insurance? Plans and payment for trip and flights to Israel, Jordan and Egypt have already been made.

A:
If you are a U.S. resident, you can purchase a Trip Insurance plan that can provide coverage for non-refundable trip costs due to cancellation for named specified reasons. However, depending on when the initial deposit was made, this may decrease additional benefit options. /travel-insurance/
{{currentOrigin}}/answers/holiday-insurance/purchase-trip-insurance-plans-payment-for-trip-flights-israel-jordan-egypt-37124/

Q:helloI arrived to USA on 30th June 23 on K1 visa and got married to my fiance on 29th July 23. I have not yet submitted my form for change of status for PR. My wife is a US citizen, she is a graduate student and is on some type of govt health plan, she says she cant add me to her plan till I get my social security number.Is there any health plan that I can take till I get my SS number , any government plan or private plan.

A:
Because you have not filed for adjustment of status, we would have 2 possible options for you. Please see the links below for the International Major Medical plan and a short term plan through Allstate. /international-major-medical-insurance/ /short-term-health-insurance/ These plans will have geographic restrictions for certain states, so you will want to check those through the above links as I am not sure of your location within the U.S.
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Q:Let's assume the following for purchasing multiple medical insurance policies for someone older than 70 to increase total coverage amount.1. Both policies have the same PPO network and do direct billing.2. Both policies are comprehensive. 3. Both policies have slightly different copays.When the insured goes to the doctor, what insurance card should they present to the doctor? Should they give both? How will the doctor know how much to bill each insurance, or will the two insurance companies figure out costs among themselves as long as any one of them is billed?

A:
If you were to purchase 2 Comprehensive plans to increase overall coverage, coordination of benefits would be determined between the insurance companies. You could present one card to a provider unless for example it's a hospital visit that may exceed the first policy's maximum, then you could present both cards.
{{currentOrigin}}/answers/travel-medical-insurance/purchasing-multiple-medical-insurance-policies-70-increase-total-coverage-40500/

Q:I am korean.I am now touring at Thailand.I will go Myanmar.Laos.Vietnam.Thailand.I have tour insurance.but 12/oct/2023 finish.I want to sign up new tour insurance.For 34 month.Recommend insurance to me.From13/oct/2023

A:
We have plans that can provide Travel medical coverage for someone when traveling outside of their home country as long as the travel does not include the U.S. Those plans can be found here through this quote link: /travel-health-insurance/ We do not have any plans that will cover someone up to 34 months. Most plans can provide coverage for up to 364 days, and some are extendable up to 2 years.
{{currentOrigin}}/answers/trip-insurance/korean-touring-thailand-myanmar-laos-vietnam-tour-insurance-13142/

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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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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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?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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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.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

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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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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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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