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Ask Our Specialists
I am in the US for more than 2 years. I am on OPT. My 12 Months OPT is over and now on 24 Month extension. I live in NJ and looking for an insurance. I am looking for $100,000 max coverage and $0 deductible. Can you please send me a list of hospitals where cashless facilities are available? I do not have insurance currently and my employer does not offer it.
There is a plan called Atlas Exchange that we would recommend based upon your needs and your lack of previous insurance. Some plans require you to have had prior insurance so you would be disqualified from some plan available.
The plans are designed to cover new accidents and new illness that occur after the effective date of the policy. So if the proposed insured is sick or injured prior to the effective date of this policy it will automatically be excluded from the policy.
Please be advised that typically in network providers will bill directly but that is at the discretion of the provider.
Here is a helpful FAQ about "cashless" insurance in the United States.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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