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Q:Insurance for pre-existing conditions My mother is visiting me next week and i want to buy the best available insurance for her. She has some pre-existing conditions - high BP and heart problems. Can you tell me which insurance will be best for her which will also cover her pre-existing conditions. IF possible please also provide the BBB rating link for the provider.
A:
{{currentOrigin}}/answers/visitors-medical-insurance/insurance-for-preexisting-conditionsmy-mother-is-visiting-me-next-week-and-i-want-to-buy-the-best-av-73562/How old is she? Where is she traveling to and for how long? She is 53 yrs old, will be visiting me in St Louis, MO from july 24th to Dec 1st. Is there any plan other than Atlas America which covers existing conditions? Do you have BBB link for Atlast america? No, there is no other plan. Please look at Atlas America Insurance. What does "Hospital pre-certification penalty" mean ? Atlas america has it at 50% so does it mean if i don't call them in advance for hospital admission, they will ask me to pay 50%? That is what it practically means. However, in case of any emergency hospital admission, you can call within 48 hours or as soon as practically possible. I don't see any reason when someone could not call. Couple of more things before i buy it. Can you please provide BBB rating link for Atlas America. Is this the correct link? https://www.bbb.org/indy/business-reviews/insurance-health/h-c-c-medical-insurance-services-l-l-c-in-indianapolis-in-90005439/ Is Atlas America answerable to insurance regulatory authorities in USA ? 1. I already sent you the link by private message. Yes, that link is the correct link. 2. Yes, they are. You can buy it online at /atlasamerica-insurance/ If you have any other questions, please feel free to contact us at any time.
Q:Short Term Insurance Hi, My current Status - H1 State - Illinios Effective Date - ASAP. Iam looking for short term insurance up to sep1st. Iam looking for me and my wife(h4) . my DOB - 12/19/1984, no tobacco user wife DOB - 06/24/1989 , no tobacco user
A:
{{currentOrigin}}/answers/other-insurance/short-term-insurancehi-my-current-status-h1-state-illinios-effective-date-asap-iam-looking-for-sho-53358/You can look at HCC Life STM at /short-term-health-insurance/
Q:Visitors Coverage.............. Planning to bring our parents for a visit to USA and Canada........ Could you please suggest the best visitors insurance which will also cover med-evac for our Dad (75 yrs) and a good coverage for Mom (61 yrs) as well? Two imp queries: 1. Is blood-work covered in your insurance? Dad needs to get blood-work done every 4 months for his kidney disease. 2. If a doctor prescribes a medication for either of them, will that also be covered? 3. Would we need two separate insurance coverages for both countries (Canada and USA)?
A:
{{currentOrigin}}/answers/visitors-health-insurance/visitors-coverageplanning-to-bring-our-parents-for-a-visit-to-usa-and-canada-could-you-please-sugge-31903/Thank you for your interest in purchasing visitors medical insurance for your parents. 0. Please note the emergency medical evacuation is the transportation to the nearest place where adequate care can be given. If something happens to them, it does not mean it would automatically transport them to India. Please read /emergency-medical-evacuation-to-india/ for more information. 1. Blood-work is covered as long as it is for the new medical condition that occurs after the effective date of the policy. In his case, something that he already needs routinely would not be covered. 2. Again, if it is for a new medical condition that occurs after the effective date of the policy, it would be covered. If they need anything for pre-existing conditions, that would not be covered. 3. You don't have to buy separate insurance plans for US/Canada. We have the plans available that would cover them in both the places. Please visit https://www.insubuy.com and enter the coverage area as 'International Including USA'. Please feel free to contact us at any time if you have any other questions.
Q:Visitor Insurance For Mother Hi, My mother is 50 yrs old and touch wood is very healthy and never requires to visit any doctors. She would coming to visit me in Des Plaines, IL end of this month. I have already looked up on various options that are available. I was thinking to go for fixed plan coverage. Could you please let me know any drawbacks apart from the limited limit set by the insurance providers?
A:
{{currentOrigin}}/answers/visitor-insurance/visitor-insurance-for-motherhi-my-mother-is-50-yrs-old-and-touch-wood-is-very-healthy-and-never-re-77301/Fixed coverage plans provide only a limited benefits plan. Therefore, you will have to pay the difference yourself, no matter how high it is. If the fixed coverage plans were enough, there would be no reason for the comprehensive plans to exist as no one would buy them at 2 to 3 times higher price. Please note that the probability of someone getting into a new medical condition is the same for a given age, whether healthy or not, whether you buy fixed or comprehensive or nothing. However, when something happens, how much you are covered is the difference. Therefore, we recommend you to buy the comprehensive coverage plans. At the end, it is your decision as long as you understand both the types of plans and make an educated decision. If you have any other questions, please feel free to contact us at any time or post them here.
Q:Visitor medical insurance - Father In Law My father in law planning to travel from India(Hyderabad) to US ( New York) on July 20 . He is expected to stay 1 month or 2 months based on convenience . He is 55 yrs old. If I take month insurance, can I extend afterwards ? or If I take 2 months , can i get refund if he leaves earlier than expected ? will this insurance covers during travel also ? Which insurance recommanded ? Regards Venu
A:
{{currentOrigin}}/answers/visitors-insurance-usa/visitor-medical-insurance-father-in-lawhi-narendra-my-father-in-law-planning-to-travel-from-indiahy-12904/You can consider purchasing Atlas America Insurance, as long as you buy before he comes to NY. Yes, you can extend it afterwords. If you want to cancel earlier, you can do so and get the refund for unused portion minus $25 cancellation fee, as long as no claims have been submitted since the original effective date. As long as you put the effective date one day in advance of the actual travel date, it will cover during travel also. If you have any other questions, please feel free to contact us at any time. Atlas America on paper seems to be a very solid option. I myself have purchased it 3 times. However Insurance is only good when you have to use it. Unfortunately i had a claim of $175 ones. With $100 deductible i only have a claim of $75. They took more than 6 months with more than 20 emails and phone calls. Customer service was absolutely pathetic. Felt like their operations is running from a Garage. BTW, this was for a doctor office visit who is part of their network and did direct billing. Atlas/HCC Medical did not pay and my account went for collection for just $75. This is ridiculous. I am yet to see posting where people have been happy with their claim system.
Q:Coris America-very poor My mother purchased a policy back in Ukraine before she came to visit me in US. The provider is Coris international, with the offices in Miami, Fl, named Coris USA. My mother came down with respiratory symptoms back in Feb 2011.We contacted Coris USA and were referred to an urgent care clinic and were assured that this clinic will accept their letter of guaranteed payment. I have to note that I asked a rep several times if we could go to a regular clinic to avoid extra cost of urgent care visit, but Coris rep Xavier said not to worry about it. When we arrived to a clinic, there were a fax from Coris, but clinic was not accepting it as a guarantee of a payment. We called Coris rep again and again he told us not to worry, pay out of pocket and claim a reimbursement later.We did just what we were told to do. Next day we submitted a claim as were instructed. Well, we never receive the reimbursement ! First we emailed to Coris USA with questions and were given an answer that Florida office will contact insurance company (???) and let us know, but nobody got back to us. Then we started to call, were referred to a claims department- it took us a week to get someone at claims to pick up a phone (it was already May 2011!) and the "claim" lady Antonella told us that we should send her original receipts from the clinic. She could not answer why nobody told us to do that earlier! Anyway, we sent all receipts back in May. And never heard from Coris ever since- not an Email, not a letter, nothing! My conclusion: don't buy Coris Insurance, they just do not provide a service that you pay for- technically speaking, they just steal from you.
A:
{{currentOrigin}}/answers/visitor-insurance/coris-america-very-poor-my-mother-purchased-a-policy-back-in-ukraine-18941/We are sorry to hear that. Fortunately, we have many US based visitors insurance plans available.
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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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Healthcare costs are very high in the U.S.
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