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Ask Our Specialists
Need Help to select plans Hi, I am trying to get insurance for my parents visiting me. Last time they were here I had a bad experience since I bought a fixed coverage plan and I was ripped off by the hospital. Now here are the criteria: Age 69/64 There are pre-existing ailments I checked the PPO coverage in my area (CA, 91367) and it omly tells me about the urgent cares. What if I has to go to emergency do I have to look for a hospital in the network? Please help me with this. They are starting their journey on Sep 1st and I need to get the insurance before that. Thanks, Mano
Thank you for your interest in purchasing visitors insurance. Yes, we always recommend everyone to purchase comprehensive coverage plans only. In addition to the urgent cares, there are hospitals and emergency rooms also in the network in your area. If you need any help navigating the provider directory, please call our office. You can always go out of network too. However, going within the PPO network is advantageous because they are much more likely to bill the insurance company directly and charge you the network negotiated fees which are typically lower than their regular charges. In some plans, even the coinsurance amount is lower within PPO network. In order to avoid searching for a provider in emergency, you should search for them in advance so that you know what to do when the time is critical. 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.
I have been resident here since 2010, with a green card since 2011. I would like help with which is the best option for me for health insurance. I am 58 years old and for the last year I had Inbound Immigrant insurance which is now due to expire. Should I continue with this or is there a better policy? I haven't needed to make a claim so far as I am in good health and have no pre-existing conditions. I have seen a policy called "Visitors Care", which seems considerably cheaper than Inbound Immigrant - is this a better or worse policy and are there any others that are better than both but still affordable?
Inbound Immigrant is for maximum 5 years. Visitors Care is for maximum 2 years. You are not going to find anything cheaper than that. My suggestion would be to continue what you have.
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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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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.
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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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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.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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