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Ask Our Specialists

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

Q:Thank you so much for your help. I just called our nearest hospital and asked them if they except "first health ppo network". They don't know about it. She said she has been working there from 1980's and never heard about it. She gave me her tax id number and told me to contact insurance company and ask them to look into it. If they cover this hospital. I found the nearest hospital through your website's ppo network.

A:
Thank you for contacting Insubuy. Unfortunately, we are unable locate a provider with the tax ID number. The First Health PPO network search does allow for us to enter the National Provider Identifier Number or NPI number of the provider to search. Can you also advise If there is a specific medical treatment you are looking to have performed? When speaking with the provider did you speak with someone in the billing department to confirm? Also, keep in mind that these plans are designed to cover the insureds anywhere outside of their home country, and they may visit any provider they would like in the event medical treatment needs to be performed. In-network providers will generally provide the direct billing and there are contract negotiated rates, but you are not required to only visit an in-network provider. Please let us know if you any additional questions. You may also obtain assistance by contacting our office at (866) INSUBUY.
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Q:Here is the link for J1 Health Insurance requirement at MGH. https://pips.partners.org/studying-and-working-with-partners-healthcare/J-1-visa/health-insurance-requirements.aspx Kindly check and suggest which plan will fulfill the requirement for me (J1) and my wife (J2).

A:
You can purchase any of the comprehensive plan from our J visa insurance section. Please enter appropriate criteria. Medical coverage field select required. You will find many plans and you can also compare them side-by-side. You can purchase either ExchangeGuard Essential or Patriot Exchange plan. Once we get your age and travel date will be glad to suggest which plan works best for you.
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Q:I will be working as an intern in the USA with a J1 visa. I am enrolled at University in England, but will not be at a college in the US as I am working as an intern. Am I still eligible for the StudentSecure Smart policy? I am a UK citizen and the UK is my home country.

A:
Unfortunately, all of the plans available will cover you anywhere you travel outside of your home country while studying abroad. Therefore, because the UK is your home country or country of primary residence, we would not have a plan that can cover you.
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Q:I AM MOVING WITH DAUGHGER BACK TO THE PHILIPPINES MY COUNTRY OF BIRTH. INSTEAD OF BUYING A LOCAL PHILIPPINES HEALTH INSURANCE POLICY, I DECIDED TO BUY AN INT'/ MULTI TRAVEL HEALTH INSURANCE POLICY WHICH COVER MYSELF (1 PERSON) FOR ONE YEAR & RENEWABLE (JULY 31, 2019 TO JULY 31, 2020). MY BIRTHDATE: JANUARY 7, 1940 (NOW AGE 79 MALE). I SHALL BE TRAVELLING TO PHILIPPINES WORKING OVER THERE AND TRAVELLING TO OTHER NEAR BY COUNTRIES: TAIWAN, HONG KONG, CHINA (EACH PLACE BRIEFLY CONSIDERING MY WORK BASE: PHILIPPINES. I WANT "0" DEDUCTIBLE; MAXIMUM COVERAGE US$100,000.00 ET AL REGULAR INTL TRAVEL MEDICAL INSURANCE COVERAGE. I MAY RETURN TO USA BRIEFLY SAY ONE MONTH THEN RETURN AGAIN TO THE PHILIPPINES.

A:
Thank you for contacting Insubuy. Please look at travel medical insurance. Should you have additional questions, please let us know.
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Q:Please send us a quote for the above dates, both inclusive. Date of birth July 17th, 1961 Date of birth March 1st, 1958 We are US Citizens. Both of us live in India currently. We would be travelling to San Fransisco from New Delhi with a few hours layover in Beijing

A:
Thank you for contacting Insubuy for your insurance needs. Please use the link provided below to run a quote for the available plan options. Based on the information provided we would recommend the Patriot America Plus plan. This plan may be purchased online using the link provided below or over the phone by contacting our office at (866) INSUBUY. If you have any additional questions, please let us know. Quoting area for visitor's to the USA /visitors-insurance/
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Q:I will start in June a new job position at University of Connecticut. I need 2 insurances: 1. coverage for $100,000 per accident/illness, for 30 days 2. medical evacuation & repatriation coverage for 1year. Can you please help me in doing this and provide a quote? I can attach here the university requirements. From 10th of June 2019 to 30th of June 2020 (1year) Medical benefits $100,000 per accident/illness Maximum Deductible per accident or illness $500 Repatriation of remains $25,000 Medical evacuation $50,000

A:
Those are standard requirements so you can choose any plan in the J1 section of our website. Since the plans already include the medical evacuation/repatriation then you can wait to purchase that plan when the medical plan expires.
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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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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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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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