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Ask Our Specialists
I am 56 years, Indian, visiting San Francisco, CA USA. I came to US on 23 Dec 2016 and returning to India on 15th Feb 2017. I took a travel Insurance from India and it expires on 01 Feb 2017. Hence I would like to take one more policy here from 01 Feb to 15th Feb 2017. I went thru your web site and spent of a lot of time comparing the various options and I need your help to finalize. Please suggest 2 or 3 insurance policies that satisfies a) Should be renewable if I decide to stay beyond 15 Feb b) Deductibles should be preferably zero c) Visit to doctor/urgent care center : CO pay should be minimum d) Physical Therapy : Available for in patient as well as out patient e) Should conform to California state regulations f) Acute pre existing : should be covered. ( Though I am healthy and do not have any known diseases, I would like to have this option )
Please suggest 2 or 3 insurance policies that satisfies:
a) Should be renewable if I decide to stay beyond 15 Feb:
Atlas America is renewable
b) Deductibles should be preferably zero:
You choose the deductible, even zero
c) Visit to doctor/urgent care center, CO pay should be minimum:
Urgent care has a $50 co-pay if you are in network and the claim is billed directly. For a doctor's visit, once the deductible is met then the plan will pay 100% if you are in network and billed directly.
d) Physical Therapy Available for in patient as well as out patient:
For Physical Therapy the plan allows $50 per day maximum for a covered illness or injury
e) Should conform to California state regulations
There is no state regulations for plans for visitors. :
f) Acute pre existing: should be covered. (Though I am healthy and do not have any known diseases, I would like to have this option)
The plan does include the Acute onset benefit.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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