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Ask Our Specialists

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

Q:After enrolling to health insurance plan which is quoted above (atlas essential america), Can we get medicines through pharmacy with the insurance card that you have provided? Please explain regarding this Looking forward to hear from you

A:
Thank you for contacting Insubuy for your insurance needs. The plan does cover the cost of inpatient prescription medication related to the new accidents and new illnesses. However, medications are always paid for out of pocket and reimbursed. There is not outpatient prescription medicine coverage, not even for new illnesss. You will get a prescription discount card that you can use for instant discounts.
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Q:What student plan do you offer with the most comprehensive maternity benefit?

A:
If the proposed insured is already pregnant, there are no plans that would cover maternity.
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Q:I have a question regarding the Diplomat travel insurance. That is, the travel insurance designed for American citizens who are currently out of the country and come back to visit for short trips. Am I allowed to purchase travel insurance to the United States if my permanent residence is in the United States? I will be traveling to Canada for the next several months but will return to the US for a short period of time during that trip. I am not certain whether I will need to retain my US based regular health insurance or if I can pick up travel insurance from you for the short time I will be in the US.

A:
The Diplomat America plan can be used by a US citizen that resides outside of the US and comes back for a visit so would not be appropriate for this situation. Are you purchasing a plan for your trip to Canada? Some plans that cover a longer trip outside of the US will cover incidental trips back.
{{currentOrigin}}/answers/visitors-health-insurance/coverage-for-usa-citizens-visiting-the-usa-20597/

Q:Do you provide temporary insurance plan for newborn? I am US citizen living abroad. I am already pregnant and I plan to visit New Jersey in September 2018 and deliver my baby there. I arranged to pay the expenses of my pregnancy and delivery fees. I am inquiring about a medical insurance plan for my newborn baby; can you provide a certain insurance plan?

A:
Thank you for contacting Insubuy. Unfortunately, there is not a plan that we can offer to a U.S citizen residing in their home country they are required to have a domestic insurance in accordance with the ACA. If you need any additional clarification please contact our office.
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Q:I am looking to purchase temporary health insurance for my husband. He is in the final stages of his application for immigrating to the U.S. and he should be able to do so at the end of the month. I am a U.S. citizen and we are moving from Canada to Oregon (Linn County specifically.) As a new immigrant who is not eligible for medicaid what are his options? He is 35 years old and in good health. We plan to sign him up for private health insurance but as I understand that will take about 2 months from the time we enter the country to the time that could start so we need something for the meantime. Your website recommended I International Major Medical. Would he be eligible for International Major Medical and what would the costs be for that plan? I can't seem to find that on your website. Any information you can provide me with would be much appreciated.

A:
Thank you for contacting Insubuy for your insurance needs. The International Major Medical is available and to obtain a quote you can click on purchase and put in the basic information. The plans will cover any new illness or injury that occurs after the effective date. Plans do not cover pre-existing conditions, preventative care, or routine maintenance. If you have additional questions please feel free to contact our office.
{{currentOrigin}}/answers/new-immigrant-medical-insurance/new-immigrant-insurance-for-the-usa-77348/

Q:I have a question regarding the Diplomat travel insurance. That is, the travel insurance designed for American citizens who are currently out of the country and come back to visit for short trips. Am I allowed to purchase travel insurance to the United States if my permanent residence is in the United States? I will be traveling to Canada for the next several months but will return to the US for a short period of time during that trip. I am not certain whether I will need to retain my US based regular health insurance or if I can pick up travel insurance from you for the short time I will be in the US.

A:
The Diplomat America plan can be used by a US citizen that resides outside of the US and comes back for a visit so would not be appropriate for this situation. Are you purchasing a plan for your trip to Canada? Some plans that cover a longer trip outside of the US will cover incidental trips back.
{{currentOrigin}}/answers/visitors-health-insurance/diplomat-america-eligibility-74856/

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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