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New Immigrant Insurance


I am an international student who will be enrolled in August and looking for a health insurance. One of my school seniors recommended your company to me, and I want to purchase insurance from your company. But I'm not sure whether and which your insurance plan meets our school's needs. So I am writing this email to consult you about this matter. And according to the documents I received, my insurance plan must meet the following required benefits and coverage. 1. Unlimited Maximum Benefit for Covered medical expenses. 2. Coverage for essential benefits as defined under Patient Protection and Affordable Care Act - including pharmacy, mental health, maternity, preventive care, contraception - with no dollar limits. 3. Pediatric dental and vision coverage as defined by ACA. 4. A policy year deductible of $500 or less. Maximum total out of pocket expense cannot exceed $6,350 per member, $12,700 per family with preferred providers. Deductible, coinsurance, and any copays count toward out-of-pocket maximum. 5. A minimum of $25,000 for repatriation and $50,000 for medical evacuation. 6. A minimum of 80% coinsurance payable by the insurance plan to network providers. Emergency/urgent care coverage only is not accepted for waiver 7. Verifiable proof of coverage with student's name (ID card, insurance policy or letter from insurance carrier - copy provided) 8. Effective dates covering the entire period for which I am requesting a waiver 9. Plan document(s) in English, with currency amounts converted to U.S. dollars, and an insurance company contact phone # in the U.S. 10. The insurer has a base of operations in the US or has a US based claims payer.


Unfortunately, we don't provide PPACA Compliant plan. You need to purchase insurance through your school.

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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

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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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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