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International Student Insurance Questions Hi, I am from Vietnam, and am going to come to the US to study my master degree. I want my wife to have coverage while in the US and am interested in Atlas America and American Patriot (I myself have to buy the school's plan). I have some questions about these 2 plans: 1. Does these 2 plans cover the lost/damaged baggage or delayed flight of my wife from Vietnam to the US, or do I have to buy another international plan? 2. Are the PPO networks of 2 plans the same or different? I see ATlas is with First Health network and Patriot is with First Health/Coventry network. 3. From my research, 2 networks are different since I see the First Heath/Coventry providers list includes many providers that I also see in the PPO network of a better plan United Healthcare (the one my school offers). So does it mean Patriot has better and larger network than Atlas has? 4. In Atlas's PPO network, I see no hospitals in Nashville, TN, while Patriot's one has many. Is the database of that PPO network correct since I think it is unusual for a PPO network to have no hospitals in providers list. Thank you for your consideration
Thank you for your interest in purchasing insurance through us. Answer for your questions below: 1. Plan will provide $250 for loss of checked luggage and it will be secondary to any other benefits you get from airline. It does not cover flight delay. Because this is your medical insurance NOT Trip insurance. If you want you can purchase separate trip insurance to cover flight delay or missed flight etc. 2. That’s correct. 3. Patriot has Coventry/ First health while Atlas has only First Health. Yes. 4. Please provide the zip code so we can also look and let you know. How long do you need coverage for her? You can also look at Patriot Exchange plan which is suitable for J2/F2 visa holder. Patriot Exchange brochure, instant purchase link, /patriot-exchange-program-insurance/ You can compare Atlas And Patriot plan at www.insubuy.com or visit our F1/F2 visa insurance section at, /international-student-medical-insurance/ Please feel free to contact us if you have any further questions.
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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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