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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am interested in your insurance product for Medicare bridge insurance. Please answer a few questions: 1. Can the policy be renewed after one year for 3 additional months in state of Wisconsin? I understand states have different rules per your website. I need a policy for 15 months. 2. I understand once deductible is met, 100% is covered except pre-existing conditions. I have a pre-existing condition. So if something really went wrong (doubtful with this condition) and I needed hospitalization it would not be covered? I take meds and get checked periodically. 3. Policy covers both inpatient and outpatient correct? If deductible is met then annual physical exam with labs or urgent care visit would be covered? 4. How do I know what the savings are for negotiated fees or discounts if one stays within network? 5. I need insurance, effective 7/1/20. When should application be made and is done on paper app (on website) or is there electronic version?
Q:My parents visited the US from August 2019 till now. They have to stay in the US a bit longer because their flights were cancelled due to the virus outbreak. Their insurance started from August 2019 and have been extended several times, since they don't know when they leave. I am wondering if their insurance will cover any Covid19 expenses. And if they keep extending their insurance, will the extended insurance cover Covid19 expenses.
Q:I am interested in your insurance product for Medicare bridge insurance. Please answer a few questions: 1. Can the policy be renewed after one year for 3 additional months in state of Wisconsin? I understand states have different rules per your website. I need a policy for 15 months. 2. I understand once deductible is met, 100% is covered, except pre-existing conditions. I have no pre-existing conditions except hypothyroidism. So if something really went wrong (doubtful with this condition) and I needed hospitalization, it would not be covered? I take levothyroxine and get TSH checked periodically. 3. Policy covers both inpatient and outpatient correct? If deductible is met, then annual physical exam with labs or urgent care visit would be covered? 4. How do I know what the savings are for "negotiated fees", or "discounts" if one stays within network? 5. I need insurance, effective 7/1/20. When should application be made and is done on paper app (on websiste) or is there electronic version?
Q:I was looking at the Trawick safe travel USA program but I am not sure that I am eligible. I am a dual French/American citizen living in France for the past 38 years. I typically spend 1 -2 months in the US during the summer. I see reference "home country limitations" but am unclear what home country means? I would certainly consider France my home country as I have lived here for the longest time. But I was born in the US. Could you explain what this means and if it impacts what I can purchase. A couple of questions, is there any policy with a higher policy max, these policies, if I understand correctly are limited to $100K. Also, what is the position for these policies related to coronavirus treatment. Finally, where can I find the details of the in-network hospitals
Q:Hi, please could you assist with the questions I have below in regards of COVID-19. My mum arrived to United States in December 2019 and planed to return to China in May 2020. Just realized that her travel insurance does not cover medical expenses during her stay in USA. Is it still possible to purchase health insurance for her from April to May? Given current COVID-19 situation, does the level 3 global travel warning issued by CDC on March 27 includes US soil ? Thus, does my mum meets the COVID-19 insurance coverage requirement as she hasn't travelled outside the US since December ?
Q:I would like to purchase again for my insurance but I don't know how I can do it.
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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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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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