Insubuy Insurance

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Once your fiancè[e] enters the U.S., marriage must occur within 90 days of his/her arrival. Unfortunately, you may encounter hardship enrolling your fiancè[e] into your domestic health insurance plan (mostly provided to you by your employer), until marriage and in most cases for a certain duration after marriage.

Also, as a newly arrived person in the U.S., your fiancè[e] would not be eligible for regular domestic health insurance. The majority of companies require the person to be a resident of the U.S. for 6 months, 12 months or 2 years at the most. Many companies also require that the person either be a U.S. citizen or lawful permanent resident. And your fiancè[e] would not be able to satisfy those requirements. Moreover, even the eligible people can enroll into regular domestic health insurance only during open enrollment period (such as Nov. 1, 2015 to Jan 31, 2016) and not at any time throughout the year.

As an interim solution, we have an excellent insurance product available exactly for the persons like your fiancè[e].

Patriot America Insurance is a PPO plan that will generally cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy. It will not cover any pre-existing conditions. It will also not cover maternity or birth control.

Compared to Patriot America insurance, Patriot America Plus insurance covers acute onset of pre-existing conditions up to the policy maximum, maximum up to $500,000.

If you are looking for 100% in-network coverage and/or the policy maximum higher than $1,000,000, please look at Patriot Platinum America Insurance.