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Hello, Thank you for contacting Insubuy for your insurance needs. Please see the answers to your questions listed below in bold font. __________________________________________________________________________ 1- As we know there is temporary health insurance and major medical insurance. Do Normal health insurance I see on your website when I compare plans have worldwide insurance or only within US? I mean if I went outside US for vacation and in case of emergency, I am covered or only I am covered within US? Most domestic insurance plans will cover you very minimally outside of the United States and will more likely than not, be a reimbursement type of coverage. So this would require you to pay out of pocket for any expenses and file a claim when you arrive stateside. Upon purchasing a domestic insurance you will have to confirm your international coverage with that company. 2- US Citizens or Green Card Holders should Obligatory go with major medical health insurance in there state as temporary Health insurance are not allowed in that case ( 1 option only) ..Correct, Yes or No? Any U.S. Citizen or Permanent resident is required to have an PPACA compliant plan. Tax penalties will be assessed for not having a compliant plan. 3- Legal resident in US who pay taxes but they are not US citizen or Green card holders, who are working in a company and pay taxes, are obligatory to go with normal insurance by their state or they can go with temporary short term insurance ( 2 options they have or only 1 option ) In short, if you are living and paying taxes in the United States you are required to have a PPACA compliant plan to avoid penalties there is no alternative option. Please check with a tax professional or CPA for more information about this. 4- Legal residents in US who don't pay taxes because as my situation I have A2 visa...I work in my embassy..I have been recruited by my government to work in the embassy in D.C, in my case I have 2 options going either normal insurance or temporary insurance.. correct? Essentially if you have a social security number then you are eligible to enroll into a domestic insurance plan. If you do not have a social short term plans would be available. As an A2 if your sponsoring organization is offering you coverage under a domestic plan then you are able to enroll. If you do not have a social security number and your organization doesn’t offer you domestic insurance then you are not able to enroll on your own. 6- let's continue in my case and if I go with temporary insurance ( short term ) renewable yearly, what advantages and disadvantages comparable to Normal insurance. What i noticed that Normal insurance are more expensive than temporary and nearly they have the same benefits.. Short vs long term polices have many differences. Long term domestic insurance plans will cover what is called the 10 essential health benefits that are required to be PPACA compliant like pre-existing conditions, preventative care , ambulatory coverages etc… As domestic insurance plan have no restrictions or limitations on coverages they are going to be more expensive because of the many benefits that these plans will offer. Short-term plans will ONLY cover new accidents and new illness that happen after the effective date of the policy. Anything related to a pre-existing condition will be excluded from the policy. These plans will also not include preventative care and medication related to pre-existing conditions among others. Short term plans are exempt from offering the 10 essential health benefits so these plans will be less expensive because they have more restrictions and will have limitations on coverage 7- let's say my status in future here have been changed, either I change job to an american company ( start paying tax ), should I stop the temporary insurance as it is not legal to go with temporary insurance or I can stay with it? Upon adjustment of status you will be required to purchase a domestic insurance plan as you will no longer be eligible for international plans and maybe liable for tax penalties.

Hello, Thank you for contacting Insubuy for your insurance needs. There are several plan that would be available to your parents during their travels to the United States. Please use the link listed below for more information about the available plans, and to generate a quote for coverage. Included in this email are a few links to articles that will answer your questions about purchasing insurance in the United States versus outside of the country. Please feel free to contact our office for further assistance if you would like help from a licensed agent. Buying from USA vs India FAQ: /visitors-insurance-usa-india-comparison/ Claims Dissatisfaction FAQ: /visitors-insurance-claim-dissatisfaction/ Visitor Insurance for Visitor to the USA: www.insubuy.com

Thank you for contacting Insubuy for your insurance needs. If you will be visiting the United States the question - Will your trip include the US or US territories as a destination? -The answer would be yes as you are coming to the United States. As you are U.S. citizen you will need to make a separate purchase for insurance as your US citizenship will take precedence and your plan options will be different form your family’s. Please see the link to a recommended plans for US citizens that are visiting the United States. Liaison Continent Plan A brochure: /safe-travels-usa-comprehensive-insurance/ If you would like assistance in selecting the proper plans please contact our office.

Hello, Thank you for contacting Insubuy for your insurance needs. Insubuy is not an insurance company so you will not find Insubuy as a provider on and provider lists. Please advised as to the visa type that you are currently in the United States on to determine eligibility for plan options. I am having B1/B2 Visa. Hello, Please answer the following questions. What is your date of arrival in the United States? What is your age: Have you have any insurance since your arrival? If so, what is the name of the company? How far along are you in your pregnancy? What is your date of arrival in the United States?...1st November 2016 What is your age:...28 Have you have any insurance since your arrival? If so, what is the name of the company?...No How far along are you in your pregnancy...2 weeks Intending period 6 Months Hello, Thank you for contacting Insubuy. The recommended plan would be a plan named Atlas America. There are no plans on the market that will cover any cost related to maternity. The Atlas America plan will cover in the event of complications related to pregnancy up to the first 26 weeks. Any maternity related expenses (birth, delivery, routine visit, sonograms etc.) will be at your own expense as there is no plan that will cover any related expenses for a visitor. You can find more information about this plan using the link listed below. Also please review the link an FAQ about coverage a maternity for a visitor in the United States. Atlas America brochure & instant purchase link: /atlasamerica-insurance/ Pregnancy / Maternity Coverage FAQ; /us-visitor-insurance-for-pregnancy-coverage/

Thank you for your interest in purchasing insurance through us. If you purchase insurance from US companies there will be PPO network so if you go in the ppo network and then provider mostly billed directly and there will be negotiated rate. Cash less policy word is only in the overseas policy. Please read for more information, /cashless-visitors-insurance/ Please visit our website at www.insubuy.com Please enter appropriate criteria. You will find many plans and next to the plan there will be PPO network link or you can narrow by the plan which has ppo network. If you provide your age, travel date, which state do you need coverage and will be glad to send you quote in a separate e-mail . You can also call our office at (866)INSUBUY and will be glad to help you to select appropriate plan.

Thank you for your interest in purchasing insurance through us. If he doesn’t have last name enter LNU that is last name unknown. Let us know if you have any further questions. Our website is www.insubuy.com