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Ask Our Specialists

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

Q:What do pre-existing medical conditions entail, what does preventative care entail and what falls under routine maintenance?

A:
Pre-existing conditions are anything that with medical reasonable certainty existed prior to the effective date of the policy. Pre-Existing Condition FAQ can be found here. Routine Care, Check Ups and Pre-existing FAQ can be found here. Please review the above FAQs that will better assist you in your questions about preventative care.
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Q:I am in the USA on a O-1B work visa that's valid until July 2020. I'd like to know if I can get health insurance. I'm based in Las Vegas, Nevada and have established residence there. My employer does not offer me coverage.

A:
There are a few plans that we can offer. If you still have a residence outside of the US then you can purchase Patriot America Plus. Another option is the Atlas America plan Plans will cover any new illness or injury that occur 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.
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Q:I purchased insurance for my mom last year, and this year she is re-visiting the United State again, do I use the same policy number to apply for her? Or do I need to re-apply a new plan?

A:
You can purchase the same plan if you want. You can do this through MyAccount; by entering the certificate number and her date of birth. There is an option to purchase the same plan for the same person. If you need assistance feel free to call our office and we can assist you over the phone.
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Q:I would like to find a plan for my child who is around 19 months old now as we live in California. He will be covered under our family plan on 18 Oct 2019. I need a short term health insurance for him only to cover now to 17 Oct 2019. Would you please advise why there's no plan suited for him?

A:
The short term plan we have is not available in CA so we would recommend contacting the State Department of Insurance in CA to see if they can recommend a plan.
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Q:I am an international student just graduated in the past May from Connecticut and my school insurance was just expired the end of July. I am currently waiting for my EAD card to start my new job in North Carolina. I guess there will be a two months gap for my insurance coverage before my new job. Would you mind sending me recommendations for this short term coverage? I will be in North Carolina this Friday and will need the insurance in NC. Thank you.

A:
You can purchase any of our plan from our OPT Insurance section. Please enter appropriate criteria. You will find many plans and you can also compare them side by side.
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Q:I got the patriot america plus thru IMG for my opt but now I'm starting a program at a university which has requirements. Please let me know if you have a plan that satisfies all the requirements listed on that site asap.

A:
Patriot America plan does not meet FSU requirements. You have to cancel your current policy. Please look at the cancellation/refund policy for Patriot America plus plan. You need to purchase Study USA Platinum plan.
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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.

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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