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1. The expiration date is included in the coverage. e.g., if you buy insurance for 1 month starting Jan 13, you would be covered from Jan 13 to Feb 12, and the insurance would expire at Feb 13 12.01 AM EST (That means, you have coverage for 59 seconds on Feb 13, if you want to be that precise). 2. No, deductible does not apply for trip interruption. e.g., your parents come to the US, and if for example, their house in India is on fire or gets flooded or grandmother dies (God forbid), and if they need to return back to India early, and if they need to change the return date and the airline charges, for example, $250, trip interruption would cover that. 3. That is generally helpful for the people whose destination is not too far from their home country. Lets say a US citizen has gone to Brazil for 6 months and comes back home for Christmas vacation for few days with intent to go right back, that would be incidental home country visit. This would generally not be helpful for Indians coming to US because they are very unlikely to travel all the way to India, for example to celebrate Diwali, or attend a marriage for few days and come right back. 4. You can not change the terms of the insurance after the effective date. If you want to make any changes, you will have to purchase a new policy and all the terms and conditions start all over again and you get the new certificate number. 5. Once a year. 6. No. You will have to buy a new one. Insurance is for single trip. If you have any other questions, please feel free to post them here or contact us at any time.

Unfortunately, there is no plan from any company that would cover your already pregnant wife.

1. Cheap and best don't go together. There are two types of insurance plans: Fixed: Cheaper, limited coveage Comprehensive: Better, more expensive coverage More details at /visitors-insurance/ You can look at different insurance plans at https://www.insubuy.com 2. It does not really help for getting visa. I recommend you buy insurance after she gets visa. 3. Yes, that is possible. However, most people specify the US address and email the soft copy (that you receive after purchase or download from /myaccount/) to the relative in India.

1. Correct. 2. Plan maximum is lifetime. Sub-limits are not there for everything, only for few things. e.g., cardiac/cancer limited to $25,000 for first 180 days etc. I request that you read the brochure at /bridge-plan/health-insurance/ to look at all the coverage limits. 3. You first pay the deductible, $2,500, in your case. After that for next $10,000, it pays 80%, you pay 20%. In your case, out of $11,500, after $2,500 deductible, $9,000 expenses are left. Insurance company pays 80% of $9,000 and you pay 20%. If 80/20 for first $10,000, it will pay 100% up to policy maximum. 4A. It does not exactly work like that. If you have diabetes for last 20 years, you still have it and is still considered pre-existing conditions. 4B. There is a medical examination. 5. That would not be covered. Outpatient prescription drugs are not covered anyway. 6. Right. 7. Yes, it is new application. No, the person does not have to be incident free. The application will be treated as if it is completed new application and all exclusions etc. start all over again. Bridge plan is available at /new-immigrants-health-insurance/ If you have any other questions, please feel free to contact us at any time. i read most of the forum postings here and still have questions. my questions may be basic, but i am sure there are people just like me who want to clarify details: Regarding the application: 1. To clarify, if one chooses 'per cause' option, does that mean that each cause has its own maximum? Please clarify difference between 'all cause' and 'per person', these are rather identical. 2. 'Physical defects or infirmity' means genetical defects or defects as result of injuries? 3. Question 4d refers to immediate medical investigation or hospital treatment? I am assuming it doesn't mean just 'any' treatment or investigation, one cannot know that. Other: 1. Can outline the process of the application, including at what point one sees the physician? 2. Can one have the Bridge Plan and supplement it with another insurance plan such as the Inbound Immigrant Plan? Thank you for answering my questions. Application: 1. Per cause or all cause is the deductible, not the policy maximum. If you choose per cause, it means you have to pay that deductible once per every incident. All cause is annual deductible. In any case, the policy maximum is for the life of the policy. 2. Any physical defects or infirmity. 3. Of couse, you can only write whatever you know. Other: 1. You download the paper application from /new-immigrants-health-insurance/ and either fax or scan/email or mail it us. Once underwriter reviews the application, you will be notified whether any tests are needed or whether you need to a physician or blood work is needed or something like. It is case by case basis. After that, you are given the offer and you decide whether to accept it or not. If so, accept it by making the payment. 2. Yes, but could you please let me know what purpose you think it will serve? I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time.

Many people buy this insurance from us. However, most people consider it to be normal when everything is working fine and many avoid posting any feedback. Most people want to complain only when things are not working properly. Bridge plan is specifically designed for the new immigrants to USA. Therefore, it is very good and suitable plan for your mother. You can look at the bridge plan at /new-immigrants-health-insurance/ If you have any other questions, please feel free to contact us at any time. My mother (65 yrs) will be a GC holder soon, and will live with me in Massachusetts for about 6 months in a year. I am considering the bridge plan for her. She has no pre-existing conditions. Is the bridge plan MCC Compliant for the state of Mass.? Will a 1099 form be issued during tax filing time? There are also some state offered plans from the Mass Health Connector that are about the same in cost but I don't think you can buy them on a month to month basis. Would you recommend those plans over the bridge? Thank you. 1. No, you will not get 1099-HC. 2. The bridge plan is not meant to be taken for a short duration, such as month to month. You are supposed to keep it on an ongoing basis. If she is traveling for few months in a year, look at other travel type plans at /new-immigrant-insurance/ Thank you for your prompt response. If bridge plan is not MCC compliant, I may have to pay the tax penalty in MA I suppose. If I go with Protection America, can I can keep that plan ongoing for years? In other words, I will be paying into that plan even though my mother will be in India. I am aware she won't be able to use it while in India, but I'm just wary about the pre-existing condition. Say she suddenly is diagnosed with diabetes/ or something serious while in India, I will not lose health coverage for her when she returns back to the US as there was no break in my health insurance plan with Protection America. Can that be done? Thank you. 1. Yes. 2. Protection America and other similar plans are single trip plans. Therefore, you would buy it for the duration she is here and when she returns, you can buy again for that duration. What you are trying to achieve can simply not be achieved.

1. You can look at Atlas International at /atlas-international-insurance/ 2 & 3. The concept of PPO is there only in the U.S. There is no such concept in the UK or most of the other countries. You get the health insurance card that has all the information that they need to bill the insurance company directly. Therefore, it is up to them whether they would like to do so or not. But there is no list who accepts and who does not. Practically, you would end up spending doctors bils etc. yourself and file for reimbursement later while hospitals may be more willing to bill directly because the bill would be larger. Still, it is up to each provider. After you pay the deductible, Atlas International covers 100% up to the policy maximum for eligible medical expenses. If you have any other questions, please feel free to contact us at at any time or post here.