- Share
- Search
Site Search
- Contact
Contact Us
Speak to a licensed and experienced insurance agent in the United States.
- Office Hours:US Central Time
- {{allSevenDays}}
- Mon-Fri
- Current Time:
- Call Us:
Toll-Free: +1 (866) INSUBUYToll-Free: +1 (866) 467-8289- Local: +1 (972) 985-4400
- WhatsApp: +1 (972) 795-1123
- Chat With Us:
For faster service, you can easily extend or submit requests for cancellations or corrections using MyAccount.
Language日本語한국어عربيةItalianoРусский
Ask Our Specialists
increasing coverage Hi, I took a Atlas America insurance for my father in law. since he was healthy (except for diabates which was under control), I took a $50,000 limit plan. Immediately after taking insurance he fainted and fell. I took him to ER and ended up doing open heart surgery. I believe, the cost of surgery and hospital care would exceed $50,000. Is there any way I can bump up the coverage limit now? Also if I take another plan and ask the hospital to split the bills, will it work? Please suggest a solution. Thank you, Vijay
It is too late now to attempt to increase the coverage limit. No insurance company would allow you to increase the limit if you believe the expenses would exceed the policy limit. Even if you try to purchase another plan, the existing condition would be considered as pre-existing condition and not covered under the new plan. No company would offer you the insurance just to immediately give away lots of money when it is already known loss. It is not true that healthy people would select lower policy maximum (or no insurance) and sick people would select higher policy maximum, as insurance does not work like that. Please note that insurance is for unforeseen risks that may occur after the effective date of the policy. That means that the health insurance is for healthy people (or for new health problems that occur after the effective date of the policy) and not for those who are already sick. Therefore, it is very important to choose the right policy maximum initially itself. I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time.
Can't find answers to your questions?
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
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.
Search Questions and Get Answers
Type your question or hashtag below or Ask a Question
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More