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Insurance for Mother on GC Hi: This is my first query. My mother (64yrs) will be coming to USA in jan 2008 on a GC. The only diagnosis that she has had in the past are psoriasis and stable angina. She did not have heart attack or by-pass or diabetes or stroke. She has ahd no problems in the last 3- 4 years. My specific questions are: 1. How long should a condition exist to be considered pre-existing? In her specific case she has been labelled as having angina although she has had no symtoms now for last several years and her medical evaluation is normal. If she has a heart attack would it be considered as pre-existing condition as she has be diagnozed with "angina" in the past. 2. My understanding is that she will have to buy a "bridge" insurance for 5 years on GC then "buy" Medicare part A. If thsu is true what are the insurance options in the state of WI? 3. Is there any plan for prescription drug coverage? Thanks in advance :)
1. Most likely, it would be considered as pre-existing condition in all products. 2. Yes, you have to buy "bridge" insurance. And we have such plan. Appropriately, the name of the product itself is "The Bridge Plan". Look for the product at /new-immigrants-health-insurance/ Such products will provide coverage for any new medical conditions, injuries or accidents that may occur after the effective date of the policy. It will not cover any pre-existing medical conditions. 3. Bridge plan does not cover outpatient prescription drugs. If you have any additional questions, please feel free to post them here or contact us at any time.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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