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Ask Our Specialists

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

Q:This is an urgent request. I am planing to buy your insurance because my school's insurance is expensive, so I do not want to buy it. If you have the insurance to meet requirements in my school, I will buy it. Could you check the coverage requirement listed in the form which send in this email, and my school need to meet all of acquirement which is listed. When you will make sure to provide insurance to me, could you inform me how much is it from January 1 to May 10.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, available plans will not meet your university requirements. To be able to meet their requirements you will need to purchase the plan that they offer. If you have additional questions please feel free to contact our office.
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Q:I see that all plans have a "extra" deductible of around $200 for emergency visits that do not result in admission. Is this a one off per policy duration or is this per emergency visit? If the latter, are there any plans which waive this deductible?

A:
The extra copay for emergency room visit is per incident. That is only factored in if you take them to an emergency room for illnesses that do not result in hospitalization. So if you took them to the emergency room for a cold. They would just send the person home and not admit them. The extra copay for emergency room visit is per incident. That is only factored in if you take them to an emergency room for illnesses that do not result in hospitalization. So if you took them to the emergency room for a cold. They would just send the person home and not admit them. If the emergency room visit is for an injury and not an illness then the additional copay is waived.
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Q:My parents are visiting USA. I need some information before I get their insurance. Can I buy insurance that covers chiropractic visits. If yes, how can I do that?

A:
The available plans will cover the new accidents and new illnesses that happen after the effective date of the policy. Plans will cover whatever is medically necessary related. There are some plans that will cover the cost of visits to a chiropractor but it is only as it relates to a new accident and new illness. There is not coverage if it is done elective or for a pre-existing condition. If you have any additional questions please contact our office.
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Q:I am international student. Can international students buy medical insurance in your company?

A:
Thank you for contacting Insubuy for your insurance needs. We do offer coverage to International Students you can review these plans using the link listed below. International Student Insurance If you have requirements that you would like to provide we would be happy to recommend a plan for coverage.
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Q:What would be the insurance option for someone who currently: - is a foreign living in the US, originally from china (which country is the country of residence in this case?) - her green card is currently pending - living in the state of Washington right now - age is 72

A:
If their green card is pending and if you have applied to adjust the status in US. Country of residence considered as US. You can purchase International Major medical plan.
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Q:I'll be graduating next year and need health insurance during my opt. I specifically need to cover the prescription drug Vemlidy 25mg. Do you have any plan that you recommend?

A:
Thank you for contacting Insubuy for your insurance needs. The available plans are designed to cover the new accidents and new illnesses that happen after the effective date of the policy. There would not be any coverage for medications related to pre-existing conditions. This is an expenses that you would pay for out of pocket. The plan will only cover medications related to the new accidents and new illnesses that happen after the effective date of the policy. Typically, if while you are OPT your employer offers you insurance the domestic options offered by them will typically cover this type of expense.
{{currentOrigin}}/answers/international-student-insurance/prescription-coverage-in-opt-plans-91200/

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.

Did you know?

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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