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Cataract is considered a medical problem and not a vision problem. In Careington Dental/Vision plan, under vision, you get $5 off the regular exam price. You get some discount from the frames etc. That's about it. I sugegst that they go through Cataract surgery in India, either before coming to the U.S., after returning back to India. You will not find any insurance company that would provide any coverage for that. Thank you for your prompt reply. My parents are planning to leave soon and hence there is not enough time to get the Cataract surgery done in India. It is unforunate that there is no coverage under any plan. Do you know how much does it approximately cost for a Cataract surgery here in the US? Thanks Insurance plans are designed to cover any medical conditions that arise unexpectedly. If any insurance company were to start covering what people already need, they would just be giving away free money and no company can work like that. No, I don't know the cost. But my guess would be at least $20,000, if not more. It might be the best for them to wait until they are done with that surgery in India, or you will have to pay all the expenses yourself. When my mother visited us in 2004, we later found out that she might need cataract surgergy. However, she ended up waiting for it until she went back to India as it is very expensive here. Are you still planning to buy the medical insurance for them, if they get into some new medical conditions, injuries or accidents while they are here? We can help you with that.

Spouse = Legally married husband or wife of opposite sex. As the price is per person anyway, you can do separate applications for each person's travel medical insurance, at https://www.insubuy.com

Thank you for your interest in purchasing visitors insurance for your relatives. You can consider purchasing Atlas America Insurance It is currently the best visitors insurance in market. Even though $50,000 is the minimum policy maximum available, we recommend getting a higher policy maximum such as $100,000 or $500,000. Deductible is a personal choice. Different people think differently. Some people say "My parents are going to be in the U.S. for 6 months and even if they end up visting the Dr once or twice, lower deductible would be helpful" while others says "My parents are healthy and most likely nothing will happen to them. In case, something small happens, I can pay for it myself. I want the insurance company to cover the big things but I want to save money now by choosing higher deductible". Looking at your post, I believe that you may be in the second type of person and therefore a higher deductible such as $1,000 would be suitable. If you have any other questions, please feel free to post them here or contact us at any time. Thank you for your response. Is below true for this policy? 1)Emergency room charges are not covered unless hospitalized overnight. 2)Pre-existing Condition coverage is limited to only acute onset, and treatment has to be taken within 24 hours 1. Partially true. Treatment charge is still covered as long as eligible expense. The room charge is not covered unless subsequently admitted into the hospital. Read Emergency Room section at /what-is-visitors-insurance/ to understand why. 2. True. However, that is the most amount of comprehensive coverage available in the market currently. Please feel free to contact us at any time if you have any further questions. Thank you again for your response. I understand abuse of Emergency room policy. We could use urgent care first in case of emergency except on Sunday when no urgent care is open (in my area) - Is this could be valid reason for using Emergency care? Is there any information/link for typical cost of standard medical procedures? (inpatient and outpatient) - I understand this could vary on region/hospital etc but looking for ball park numbers. Thanks again!!! 1. The same rules would be applicable irrespective of your specific situation. 2. No. Unfortunately, healthcare costs are one of the rare things in the U.S. where there is no "typical cost". Thank you for all your responses. You are welcome. You can purchase it online at /atlasamerica-insurance/ I'm on the web site to buy. I'm thinking of renew every month. Can I change policy maximum (for e.g. 50K to 100K) at renewal? If not, can I just buy new insurance for next month (assuming nothing happened that month)? Also, Does it matter if God forbid policy holder is hospitalized in middle of renewal cycle? Thank you!!! There is a big difference between renewal and repurchase. When you renew the insurance, all the terms and conditions of the insurance remain the same. You are just extending the date of the same insurance. Therefore, you can't make any material changes such as changing the policy maximum when renewing. When you repurchase the insurance, all the terms and conditions including pre-exisiting conditions start all over again. Therefore, if something happened (even if you don't know about it) in the previous duration, it would be considered as pre-existing condition and not covered in the new duration. Also, your deductible, coinsurance etc. would start all over again too. Therefore, our advice would be to buy the right insurance the first time and stick with it for the whole duration. I hope this answers your questions. If you have any additional questions, please feel free to post them here or contact us at any time.

I would be happy to have our claims department look into your mother's claim. Please provide me her certificate number and we can review the details. Best Regards, Suzanne Munson Seven Corners, Inc. Ekaterina, I am sorry to hear that you are having a difficulty with your claim. Please note that we as a broker work for you and not for any particular insurance company. Therefore, the only information we have about your claim is what you have publicly posted on this web sitte. Based on the email address you provided, we have located your insurance certificate. We have asked Seven Corners Claims Department to look into this matter. As soon as we hear back from them, we would promptly follow up with you. Meanwhile, if you have any questions, please feel free to contact us at any time. We have received the following response from Seven Corners Claims Department: ============= Response from claims is as follows: We have 4 claims on file. We received the first claim in house on 08/17/2011, received POL on 08/17/2011, passport on 08/30/2011. We requested medical records from A. Gargurevich, MD on 08/25/2011, which have never been received. A follow-up request is due to go out any day. The records are for a prex review, due to the condition submitted on her mother's claims. It looks to me like everything has been done timely and accurately. However, I called the physician's office to secure a fax number, to fax over the request. ============= That means, that your claim is still under process and has NOT been rejected. Before the insurance company can make determination whether it is eligible claim, they need the medical records from the provider. They are still waiting for that. Therefore, I would recommend that you contact the provider and ask them to send the required information as soon as possible. I would recommend that you completely read various sections at /international-health-insurance-claims/ That would help you understand the process better. Meanwhile, if you have any questions, please feel free to contact us at any time. Hi, I have bought the insurance from Seven Corners for both my parents trhough INSUBUY . Thought we have submitted valid request Seven Corners did Denied our claim. When my parents came here from India due to excess stress in the travel ( since they are travelling first time from india) my father got constipation problem after he reached here. Next with minor symportoms i took him to walk in and they suggested some medication . It hasn't gave any result and took him to the same place next day ( by that time he is suffering with servere pain) and they suggested to Emergency. In emergency they treated( by taking all sort of tests like Ct scan, xray..etc for Constipation) by giving IV . Finally by evening they discharged. Now when we claim this to Seven corners they are saying it is pre-Existing. How funny it sounds . I never understand how a constipation problem can be a pre-existing. I gave teh details of my family doctor back in India. They can even talk to him to see if he face this kind of problem. I suggest you stop selling this Seven corners insurance. Tomorrow if some one will say he got a heart problem, then SeverCorners might reject saying that he/she eating all cholestrol food back in india and therefore itis a pre-existing condition wich they cannot cover it... simply rediculous... I am going to say in my community not to buys Seven corners... For your reference i am giving the policy details.. policy holder name : vara prasada rao darlapudi, Certificate Number: 9VLL09-026985 -Ananth Ananth, I am sorry to hear that you are having a difficulty with your claim. Please note that we as a broker work for you and not for any particular insurance company. Therefore, the only information we have about your claim is what you have publicly posted on this web sitte. As you have already provided your certificate number, we have asked Seven Corners Claims Department to look into this matter. As soon as we hear back from them, we would promptly follow up with you. Meanwhile, if you have any questions, please feel free to contact us at any time. Here is the response from Seven Corners. If you have any further questions, please feel free to contact us at any time. ===================================== Hello Ananth, I apologize that you feel that your father's claims were not handled sufficiently. However, we've reviewed your father's file and have confirmed that the effective date of his policy was 04/17/2011. The first date of service was 04/18/2011. The physician notes from the first office visit, indicate that your father had stated that he had been symptomatic for 3-5 days, pre-existing the effective date. I do regret the circumstances, but the order of events listed above was the deciding factor in the denial of your father's medical claims. Having said that, many providers will work with you by discounting your remaining balance and I urge you to speak with their Accounts department. I wish there were more that we could do but at this point we cannot. Please contact us if there is any additional information regarding this claim that we do not have. If you have any further questions or concerns, please feel free to contact our office. Sincerely, Seven Corners

Some more info regarding my case. I am located in Los Angeles are, My mother's age is 62 and the problem with hter gall bladder was detected first in the USA after 3 weeks of her stay. Please let me know if I need to give any further info. Thanks, mano You can visit any provider in the U.S. as there is no PPO network in Inbound USA. Please read /fixed-coverage-visitors-insurance-ppo-network/ for more information. Regarding the claims process, please read various articles at /international-health-insurance-claims/ If you have any further questions, please feel free to contact us at any time. Thanks for the prompt reply. From your past experience can you tell me if i have to pay out of pocket in cases like surgery or the hospital will negotiate with insurance and work it out? Thanks, Mano Hospital can bill the insurance company directly. However, there are no network negotiated fees in Inbound USA.

I am not sure how we missed this post. I apologize. 1. Yes. Prescription and note from the doctor why he needs all that. 2. Yes. 3. No. 4. That is something we can't answer. Please consult with your doctor.