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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:Student insurance for green card holder I am a foreign student. But I have US permanent residence status and I have been enrolled at Texas A & M as us graduate. Can I purchase Study-usa-healthCare product for myself and my family?

A:
You are Not eligible to purchase Study USA-Healthcare as you have a green card. Please let me know if you have any other questions.
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Q:Blue Cross of California - Short Term Health Insurance I was looking at the Blue Cross PPO short term health insurance program and have a question about what qualifies residency. My daughter has been a college student in Germany for the past 5 years and has German insurance. She's coming back to California (her original birth place and original place of residency) this summer and found out that her German health insurance will not cover her while in the U.S. because she's a U.S. citizen. I've checked on travel insurances and they require that the travel is outside of one's home country. Blue Cross says that you must be a permanent legal resident. She's living in Germany now and plans to stay, even through she's a U.S. citizen. I'm a little confused about the definition of "residency"...could you please clarify this for me and make any suggestions concerning getting her short-term health insurance coverage while she's in the states this summer?

A:
If you are US citizen in California, you qualify for Blue Cross of California, even if you had been living outside US for some time. You can purchase it online at https://www.insubuy.com
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Q:Domestic insurance for new immigrants with diabetes I have couple of questions regarding my earlier communication with you. My parents have been in US for about 4 months on Green Card and they are currently insured with Protection America. I looked through the Assurant health brochure from the link you provided earlier. I see that they cover the pre-existing conditions after being with them for 12 months. My Mom is diabetic and my dad has a cholestorol problem. I am wondering if I switch to Assurant health, would my parents be covered for any problems related to cholestorol or diabetes after the 12 months? Since they are on their Green Card, they will be staying with me for long time here in US. Could you please advice me on what to do? I am willing to pay any insurance expenses. Are there any local insurance companies like Anthem, CIGNA that would cover preexisting conditions as well? How are they compared to Auurant health? what are my best options available? Thanks a lot,

A:
If a person has diabetes, he/she will be declined insurance in most companies like Assurant, Aetna, Humana, Anthem etc. No insurance for her from domestic insurance companies. Jan a person has diabetes, he/she will be declined insurance in most companies like Assurant, Aetna, Humana, Anthem etc. No insurance for her from domestic insurance companies. I am going to USA in jan 2015 for masters and I am diabetic. I would like to know about any insurance companies that insur non USA residents with diabetes. And also my insurance should cover my medication as it is unaffordable in USA. Thanks in advance Check with your school provided insurance. We don't have any plans to cover routine expenses related to diabetes.
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Q:New immigrants to Virginia I’m programming (I’m 74 yrs. old), with my wife (66 yrs. old) to move, starting from 2008, to your Country, and precisely to the Fairfax County â€" Virginia, to live there with our only son, who, with his family, lives and works a long time in the U.S. : he is now an American citizen. It is a demanding decision for us (we are both retired) that causes many problems, but it gives confidence for our being elderly, with no more family relations in Italy. We are Italian citizens (we come from Venice / North-Eastern Italy), we enjoy a reasonable state of health and we now follow the procedures to get the Green Card. Having said this, knowing your competence and experience, we will be grateful for every suggestion and advice you will think right to give us, with special regard to our age and to being retired. Naturally, one of the our serious worries is to get information about health insurance we could comply with. I apologize for my English.

A:
Please look at the bridge plan, available at /bridge-plan/health-insurance/ You can find all the details online on that web page, including the rates. You will also find the application online. You can complete it and fax it to us. That product is specifically designed for new immigrants to United States.
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Q:Credit card declined - Inbound Immigrant I am on the website of "insubuy" in order to buy an insurance of "Inbound immigrant" ( <a href='/international-major-medical-insurance/'>/international-major-medical-insurance/</a>. I complete my application but I have some problem to purchase my insurance. When i want to purchase, the message "ERROR: You have entered either an incorrect expiration date or an incorrect CVV." appears. Concerning the expiration date i have no doubt. Concerning CVV, here in France, it's the 3 last number behind the credit card. And it's not a problem with my credit card (Mastercard) because i try with my wife credit card (Visa)and it was the same problem. Could you please give me a solution as quick as possible,

A:
The actual problem is that your credit card issuing bank is rejecting the transaction. This happens routinely to customers. You need to call the phone number on the credit card and ask them to manually authorize the amount of charge and try aplying again after that. It would go through then. Please let me know if you need any other help.
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Q:Insurance for missionary to Africa My wife and I are contemplating going to Africa as missionaries of our sending Church, Lake Tomahawk Bible Church. We would be long-term, possibly lifetime and would work in ten different countries in Africa. We are self supporting and retired. I will be Medicare eligible on June 1, 2007 and my wife is 73 and already participating in Medicare along with a supplemental policy. Please give us any advice you deem relevant and ask any questions you might need to know. Thank you for your time on our behalf.

A:
You can look at long term plans like Global Mission Medical and Global Mission Basic plans available at /missionary-health-insurance/ You would be get all the details and the prices online. You can also purchase it online. If you have any other questions, please feel free to contact us at any time. How do I find information about the Outreach Plan? It stated in the material that if one were going overseas for more than three months and the person was under age 80, that one should look at page 9 of this plan. It appears the maximum amount my wife could purchase is $50,000. Is that correct? We would have our Medicare coverage if we came back to the U.S., but we would need your coverage for local African care and emergency evacuation to other locations (probably outside of Africa and into Europe) for critical care. Your help and information, please. Thank you. Brochure for Outreach is available at /outreach-international/missionary-travel-medical-insurance/ All the information is there. Maximum coverage for 70+ is $50,000. Yes, it covers new medical conditions anywhere outside home country and emergency evacuation as well. Please let me know if you have any other questions. I am now buying the insurance online as I found how to do it, but the only concern is that the package will not make it to our address here on time, can I give an address of a friend in the states where we are going?? Thanks you, Yes, you can. Just put that as mailing address. Put your address for all other addresses. Thank you very much it worked out and was accepted, we will go the USA and await the papers at our friends house. How long will it take for the papers to be send there? Thank you, Papers are mailed next business day and take around 3 to 5 days to get delivered by post office.
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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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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

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.

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New 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.

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Going 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.

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Are 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.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling 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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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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