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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:coverage for pre-existing condition Hello, I am a 22 yo girl from Italy, who will stay in the US for 2 years starting January 2015. I would like to be addressed to any policy that has coverage for pre-existing condition withh an awaitng period of less than 12 months. I talked to one of your agents on the phone and they told me there are some plans that offer coverage for pre-existing conditions after 6 months of continuos coverage, but I can't find any on your website. Thank you for your help. J.
Q:Help me to choose the best Visitor Insurance Plan Dear Insubuy Team, My mother is travelling to USA on 6th December 2014 (India date) and will be returning back on 31st May 2015 (US date). She is 47 years old and having diabetes and she is taking medicines for the same. Now it is under control with medicines. Also she had undergore Varicose veins surgery in 2012. And now she doesn't have any problem with that. I looked at different plans and noticed that few comprehensive plans like Atlas America, Patriot America etc provide coverage for pre exisitng conditions. Please suggest me which insurance to take. Also I want the coverage during travel also, so which dates I should consider. Indian or US dates? Please suggest. Thanks, Anusha.
Q:New immigrant insurance pregnancy coverage Dear, We will move to boston (MA) in two weeks, my wife is pregnant running six months. We paid the immigrantion fee, and we should have the GC one month after our relocation to the states. should we subscribe for insurance that cover the pregnancy? or is there some pregnancy coverage by medicaid for new immigrant? Please advice on my request? Best regards Hichem
Q:insurace plan Hello , i am an asylum in pending case , is there any whey to get affordable health insurance fore a family of four? Thank you
Q:dependent child coverage for recent hospitalization hi, I am a non-us citizen but my child is a u.s citizen, he was just discharged before thanksgiving. is the an insurance plan I can buy to cover these.
Q:HCCIMS Clain Processing - Long delays in claim and delayed response. Frustrated I bought the insurance from insubuy for my in-laws. My mother-in-law is still in her 40s and is a pretty healthy woman. Unfortunately, we had to admit her in ER once. We took the ambulance and with good care from the ER doctors, she was discharged after being in ER for 12 hours. While this was a emotionally stressful experience, what followed with HCCIMS claim processing made it even more stressful. May - treatment received in ER May to July - No update from HCCIMS July - Personally called their toll free no and the agent asked to submit claimant statement authorization form. To my surprise, I received a letter by mail asking for the same the next week while there was no communication before that. July - sends a letter to submit claimant statement and authorization form Here is the key information.. everytime you send a communication or new information (even a small letter), they take 45 days to even tell you what is missing! That's their SLA!! Aug - Hospital sends bill to us stating that the insurance had rejected the claims!. I called HCCIMS and they mentioned that the claim is still under review and asked me to call and update the hospital. Aug - I called the hospital and explained the same. they adjusted the follow up date to another month Aug end - Called HCCIMS again.. representative again said their norm is 30-45 days and only after that they will inform. this time I was really hoping something. To avoid further delays, I got medical records of my mother in law from india and mailed it. Sep - called HCCIMS again. they said they are processing the new information. Again 45 days SLA !! Sep to Oct - called HCCIMS. No reply. they just said claims are under review OCT first week - they sent a letter stating that they asked the providers (US hospital) to mail all medical records for my mother in law since 2012. They denied it stating that the hospital didn't send it back. I was surprised and wasn't even updated while the claim was with them for the last 60 days OCT first week - I immediately took my mother in law and asked her to provide authorization to release her records from hospital to insurance company. I also got a copy and we mailed it. ... even now.. NO RESPONSE from them. It is all under review. Now, hospital is behind us for the bills and are saying that they have to give it to a collection agency if we don't respond. More than the emotional trauma, the claim process is frustrating. the toll free no is a waste. You won't get any other info on the claim other than what is in HCCIMS site. Compared to regular US health insurance companies, HCCIMS claim processing is frustrating. I've come to a point where I don't have any intention to buy visitor insurance in future.
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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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You cannot find a lower price anywhere for the same product.
Learn MoreWhy buy insurance from Insubuy?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling 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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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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