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Bridge Plan - Did anyone really use yet? Hi, I am shopping to buy a medical insurance for my mom who came on GC. Many people seems to have really buying Bridge plan but not seen any email on the insurance usage. Did you guys have any information or feedback if this insurance is really a reliable one or we end up chasing this company to reimburse our bills? Can we really go to any doctor and do they accept this insurance card? One question if my mother is fairly healthy and no pre-existing conditions, do I buy "each cause" or "all cause" one? Thanks a lot for any input.
Many people buy this insurance from us. However, most people consider it to be normal when everything is working fine and many avoid posting any feedback. Most people want to complain only when things are not working properly. Bridge plan is specifically designed for the new immigrants to USA. Therefore, it is very good and suitable plan for your mother. You can look at the bridge plan at /new-immigrants-health-insurance/ If you have any other questions, please feel free to contact us at any time.
My mother (65 yrs) will be a GC holder soon, and will live with me in Massachusetts for about 6 months in a year. I am considering the bridge plan for her. She has no pre-existing conditions. Is the bridge plan MCC Compliant for the state of Mass.? Will a 1099 form be issued during tax filing time? There are also some state offered plans from the Mass Health Connector that are about the same in cost but I don't think you can buy them on a month to month basis. Would you recommend those plans over the bridge? Thank you.
1. No, you will not get 1099-HC. 2. The bridge plan is not meant to be taken for a short duration, such as month to month. You are supposed to keep it on an ongoing basis. If she is traveling for few months in a year, look at other travel type plans at /new-immigrant-insurance/
Thank you for your prompt response. If bridge plan is not MCC compliant, I may have to pay the tax penalty in MA I suppose. If I go with Protection America, can I can keep that plan ongoing for years? In other words, I will be paying into that plan even though my mother will be in India. I am aware she won't be able to use it while in India, but I'm just wary about the pre-existing condition. Say she suddenly is diagnosed with diabetes/ or something serious while in India, I will not lose health coverage for her when she returns back to the US as there was no break in my health insurance plan with Protection America. Can that be done? Thank you.
1. Yes. 2. Protection America and other similar plans are single trip plans. Therefore, you would buy it for the duration she is here and when she returns, you can buy again for that duration. What you are trying to achieve can simply not be achieved.
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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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