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Ask Our Specialists
My husband is covered by his school insurance only from mid-June and I'm looking to buy a plan to cover him (F1 visa) from end-April till mid-June, and the rest of the family (F2 visa) from end-April this year to mid-June next year. If I buy the ExchangeGuard Essential plan for all of us from end-April to mid-June this year, can the rest of us on F2 visa extend the insurance to cover us till end-June next year? Or can we buy a new ExchangeGuard Essential plan just for the F2 visa holders, starting the day after our first plan ends?
You can do either of the options you listed below. You can extend for only the rest of you and not your husband if he will have coverage through his university, or just purchase a new policy for the rest of you. Keep in mind that if you have a policy in place and then start a new one however, any deductibles and co-insurance would start over and if anything happens during the first policy for example an injury or diagnosis of something, it would be considered pre-existing on the new policy if further treatment was necessary.
If you have any additional questions, please let us know and we would be glad to assist.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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