Inbound Immigrant is a fixed coverage plan for new immigrants to the United States. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email. Provided the premium amount is $100 or more, physical cards along with the policy will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.

The insurance company will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups or immunizations. FAQ on pre-existing conditions

Prescription drugs are covered according to the schedule of benefits for covered medical expenses.
Dental is not covered. Consider a low cost plan from CAREINGTON that provides excellent dental coverage.

Please look at the detailed description.

First, you will have to pay a deductible (varies from $75 to $250) per incident (injury or sickness) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay. The deductible is applied only towards the eligible expenses.

Once you have satisfied the deductible, the insurance company pays fixed amounts according to the schedule of benefits up to the policy maximum. As you have to pay the difference beyond the benefit amount that is covered, there is no out of pocket maximum.

COVERED SERVICES INJURY AND SICKNESS BENEFIT LIMITS

Let's assume that you have taken Plan A, $50,000 policy maximum with $75 deductible.

• Let's assume that the doctor charges $140/visit and you need to make 4 visits.
  For first visit, the insurance company covers $75. You have $75 towards unsatisfied deductible. The insurance company will not pay anything as all $75 will go towards the deductible. All $75 that the insurance company pays will go towards the deductible and therefore the insurance company will not pay anything for the first visit. For subsequent visits for the same incident, it will pay $75/visit, 1 visit/day, 10 visits max.
  
  
• Let's assume that you need to go to the emergency room, and the hospital charges are $2,400. The insurance company covers $400. After $75 deductible, it will pay $325 and you will pay $2,075.
  
  
• Let's assume that you were in an accident and are hospitalized for 3 days and needed one surgery and the total bill is $40,000. The insurance company will pay $1,725/day for hospital room/board and $4,200 for surgery for a total of $1,725 x 3 + $4,200 = $9,375 minus the deductible of $75 which is $9,300. You will be responsible for the balance of $30,700.