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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:We are moving to College Station in Texas, USA on 8th August 2019 for my PhD program in Texas A&M university. I will be on a J1 visa and my husband and son will be on J2 visas. While I will be covered under student insurance from the university, I need a comprehensive insurance plan for my husband and son from 8th August till 31st October till my university insurance plan kicks in for them from 1st Nov. I have browsed through your website and looked at the tool which recommends various insurance plans. I would need your assistance in selecting one for us. I would like to go in for a plan which 1. Satisfies the J2 visa requirements. 2. Has a good network of doctors in College Station, Texas.
Q:My friend talked to them and she has one of your Exchange Guard plans. I'll send the picture of it. Can I get this plan? Here are the requirements: 1. Out of pocket costs may not exceed $6350 per year for an individual OR $12,700 per year for a family 2. Unlimited Coverage for injury or sickness 3. Medical Evacuation coverage to home country is $50,000 or more 4. Repatriation coverage is $25,000 or more 5. Coverage for preventative care at 100% in network including immunizations, physical exams and birth control with no cost sharing 6. No pre-existing condition limitations 7. Essential benefits as defined by the ACA (Affordable Care Act) must be covered; (No internal caps on essential benefits, including mental health, pregnancy, prescriptions, surgery, emergency room, doctor visits, hospitalization, physical therapy)* 8. Have a phone contact within the United States 9. Proof of health insurance provided in English and US currency only * Waiver ACA Essential Health Benefits 1. Ambulatory (i.e. Outpatient) patient services 2. Emergency Services 3. Hospitalization 4. Maternity and newborn care 5. Mental health and substance use disorder services, including behavioral health treatment 6. Prescriptions drugs 7. Rehabilitative and habilitative services and devices 8. Laboratory services 9. Preventive and wellness services and chronic disease management 10. Pediatric services for oral (dental) and vision care up to age 19.
Q:I am going to be enrolling at the University of Idaho for this upcoming school year and these are the university's requirements for waiving their insurance. As of now, I'm looking to start my policy on August 1 and have it for 364 days. I'm choosing between Study USA Preferred 500 and the Student Health Advantage Standard. Is there a way to verify which plan would satisfy my waiver requirements?
Q:I am an international student and I an interested on your health insurance. One friend of mine has it and I am trying to get it because my university is very specific and they accept this insurance. It is one with the overall policy maximum $250,000/ Maximum per injury is Overall Maximum Limit and Emergency Medical evacuation & Repatriation is $1,000,000. Here are the requirements: 1. Out of pocket costs may not exceed $6350 per year for an individual OR $12,700 per year for a family 2. Unlimited Coverage for injury or sickness 3. Medical Evacuation coverage to home country is $50,000 or more 4. Repatriation coverage is $25,000 or more 5. Coverage for preventative care at 100% in network including immunizations, physical exams and birth control with no cost sharing 6. No pre-existing condition limitations 7. Essential benefits as defined by the ACA (Affordable Care Act) must be covered; (No internal caps on essential benefits, including mental health, pregnancy, prescriptions, surgery, emergency room, doctor visits, hospitalization, physical therapy)* 8. Have a phone contact within the United States 9. Proof of health insurance provided in English and US currency only * Waiver ACA Essential Health Benefits 1. Ambulatory (i.e. Outpatient) patient services 2. Emergency Services 3. Hospitalization 4. Maternity and newborn care 5. Mental health and substance use disorder services, including behavioral health treatment 6. Prescriptions drugs 7. Rehabilitative and habilitative services and devices 8. Laboratory services 9. Preventive and wellness services and chronic disease management 10. Pediatric services for oral (dental) and vision care up to age 19.
Q:I am about to start my graduate studies at Stanford University, in California (F-1 Visa Student). I am currently looking for a health insurance plan for my stay as a student in the United States. In this regard, I would like to ask for the mensual and total cost of the health insurance plan you offer from the period of September 1, 2019 through August 31, 2020, and considering to meet or exceed the following minimum standards the Stanford University requires: - An annual deductible less than $1,000 USD. - Lifetime aggregate maximum benefit of at least $2,000,000 USD or a maximum per condition/per lifetime benefit of $500,000 USD. - Coverage for inpatient and outpatient medical care in the San Francisco Bay Area and the U.S. - Coverage for inpatient and outpatient mental health care in the San Francisco Bay Area and the U.S. - Prescription drug coverage. - Coverage for non-emergency as well as emergency care. - Coverage for pre-existing conditions or you have met applicable waiting periods.
Q:I need to have an insurance coverage from 08.26.2019 to 12.31.2019. These are the requirements from my University: Medical benefits of at least 100,000 per accident or illness. Repatriation of remains in the amount of 25,000. Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of 50,000. Deductible of 250 per Injury or Sickness. Covers pre existing conditions. Covers maternity. Period of Coverage Out of Pocket Limit of 2500 per period of coverage. Underwritten by BSC Insurance Company which is rated A (Excellent) by A.M. Best Company
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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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The U.S. Department of State requires all J visa holders to purchase compliant insurance.
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