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L1/L2 visa insurance questions pre-existing conditions Dear Insubuy I have been directed towards your site by a couple of friends who work in USA and are originally from UK. I am working in USA on an L1A visa from September (my family will be on L2 visas). I am looking to purchase health insurance for myself and my family consisting of; Me - 33 years old non smoker Type 1 Diabetic Wife - 39 years old non smoker no pre-existing conditions Daughter - 12 years old Alpha 1 Antitrypsin Defiiciency Daughter - 4 years old no pre-existing medical conditions I will need to access insulin (Levemir and Novorapid) whilst in the USA and want the policy that will be the lowest cost when purchasing the insulin in USA. My daughter will also need to access inhalers (seretide and ventelin) and again want the policy to be the lowest cost when purchasing the inhalers. Does the platinum policy cover these medication costs after the deductible? What would the deductible be? Please advise on the best policy for me and my family.
Thank you for contacting Insubuy for your insurance needs. The plans we offer would not cover pre-existing conditions or the medications for the pre-existing conditions. You would want to check with your employer to see if they are offering medical insurance for employees and their families. While waiting for your employer plan to begin you can purchase the Patriot America Plus plan as a short term alternative that will cover you and your family for any new illness or injury that occurs after the effective date of the policy. More information on the Patriot America Plus including the instant purchase link: /patriot-america-plus-insurance/ If you need additional assistance please feel free to contact our office.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
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You are not eligible to enroll in Medicare for the first 5 years.
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You could lose your non-refundable trip costs if you had to cancel your trip.
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The U.S. Department of State requires all J visa holders to purchase compliant insurance.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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You don't need to purchase travel insurance for every trip.
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Most schools require international students to purchase health insurance.
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