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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:J1 insurance comparison hi, i need an insurance plan that meets the J1 visa requirements. i have checked the list of the insurance palns you suggest and the inbound Usa seems to be the most attractive, because it is cheap, you can set the deductible to zero and it seems to have no co-insurance. what are the difference with for example the patriot exchange program or the student secure? can you give me examples of some scenario in which the inbound usa it is not good? Thank you
Q:Insurance inquiry I have a question please, Iam from Egypt and will travel to USA after 4 months and I need personal health insurance for about 6 months, but I will go to more than one state, will this insurance cover these states ( PA, TX, KY )? and they are asking about the state in the application, which state shall I mention ? they are asking about the address there, why ? I don't have there so far as I will travel after a while. will I a proof of this insurance after purchasing ? and how ? - - - Updated - - - and which company will be the best for me ?
Q:Help regarding insurance for blood cancer patient This is Nitish from India. My elder brother is afflicted with blood cancer (B-cell ALL) and it was diagnosed on 6th of February, 2014. Currently he is undergoing chemotherapy and radiotherapy in AIIMS, India, for last 10 months. From next month for two years, he will be under 'Maintenance' period. Dr. A Ganguly (Consultant in AIIMS) told us that he can be cured in US through iPSC (immuno-pluripotent Stem Cell therapy). He also told us that we may need insurance cover upto Rs 1 crore. He told us few names of medical center in US which does this therapy such as Cleveland Clinic, Anderson Cancer Center etc. Does some insurance companies has tie up too with any of such medical centers ? We don't have any relatives in US. Kindly guide us about which insurance to buy so that we can cover most of the expenses there. (Medical + Boarding + Lodging + Travel) As cancer is already diagnosed, which insurance can we buy given that there are chances of relapses in blood cancer ? Will passport number be required for buying insurance policy ? Looking forward to your guidance.
Q:Insurance claim is not being processed Hi, I had Atlas America Health insurance. I visited a Urgent care center on 5/22/2014. As I am not aware that i have to send a pre-auth form after the treatment date and i didn't receive any email asking about it from the insurance company, i didn't send the pre-auth form immediately to the insurance company. The insurance company has closed the claim stating the same reason after 3 months. After i learnt the reason from the hospital, i have sent the pre-auth form to the insurance company multiple times and i have also received the confirmation from them through email. I have called the company thrice to request them to reopen the claim. They have said that they are going to put a request and my claim will be reopened in 3-4 days. But every time I call them they say the same old story that it has not been reopened and they will reopen it in 3-4 days. Despite my continuous efforts, the claim has never been reopened and i had to pay the amount to the hospital. Please let me know what is it that i could do to make it processed. Thanks, Vinay
Q:Transportation to home Country? I have been working in the US for nearly 4 years now. So i am a danish citizen but a us resident since i am working here. I have no family in the US so my parents are worried that if i should die or get severely sick/not able to work anymore and i would need a medical transport back to Denmark that they would not be able to afford it. I already have medical insurance through my employer and it even covers transportation back to my home country - but they consider that the US since i live here. I was reading through some of the policies and it seems like the IMG policies states you can have 2 home countries if you have a passport from another country but i don't know if you can just decide then where you live? Or does anybody know if any policies that will pay for transportation back to Denmark? It can be a combined travel insurance or a separate insurance. So far my problm has been everybody consider the us my home country since i work here even thought i consider Denmark my homecountry due to my family being there. Any suggestions? Thanks
Q:Need Help on Insurance claim Hello Insubuy Team, I bought Insubuy-Seven Corners insurance for my father-in-law (69 years old) visiting USA. He arrived here on May 29th, 2014 and he fell sick on May 30th. I took him to a clinic first and his condition deteriorated drastically and was taken to emergency as per the doctor. He was treated for Urinary Track Infection and Sepsis and we got a total bill of over 25k. He never had this issue anytime in the past but the insurance denied it stating that it is a pre-existing condition. This infection is something that can happen to anybody/anytime, even as per the doctor. Please help us in appealing again and reconsider the situation. Thanks Vijay
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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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