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Pre-existing conditions - Advance answer for coverage Hi, I am looking to buy health insurance for my in laws who will be visiting US (New Jersey) in the week on Sept 19th. I had few questions related to policy etc and will greatly appreciate if you can answer them:- 1) Do I need to buy same type of insurance for both parents? Can I buy insurance from Atlas America with lower deductible for one person and another insurance from some other company with different deductible for his spouse? 2) The return date for my in laws is not yet finalized ( obviously it will be within 6 months of arrival). If I purchase insurance for 6 months, will I get refund for the remaining period should they decide to head back early? 3) My mother in law had some GI problems more than a year back. She took the necessary treatment in India and now she is back to normal. However if the problem re-occurs during her stay in USA, will it be covered if I take the comprehensive plan with pre-existing coverage? Do you anticipate any issues here? I have already read your FAQ on this but any further clarification will help to avoid frustration later on 4) In case there is a need to visit doctor during their stay, how the claim process will work? Will I get a card or member ID for them which when produced at doctor’s office will suffice for getting treatment? Or Do I need to pay upfront fees and then claim it later (not preferable option for me though)? 5) Where can I get a list of in network doctor for a particular plan? PS - BTW I just observed that if I google for your contact email I get a different email ID than if I come to your site through immihelp. Was little confused where to send email. Regards,
Thank you for your interest in purchasing visitors insurance. 1. You can purchase different plan for each person. 2. Refund rules vary for each plan. Next to each plan that is refundable, you will see a link that says ‘Refundable’ and that will show the refund rule. Please look at /visitor-insurance/ 3. Our FAQ is the best clarification we can provide. 4. Please read /what-is-visitors-insurance/ for in-network claims. Yes, you will receive ID card. 5. Next to each plan that has PPO network, you will see a link ‘Direct Billing…’ at /visitor-insurance/ You can search for the participating providers there. We use different email addresses just for tracking purposes to see where the requests are coming from. Irrespective of the email address, they all come to the same place and answered by the same people. If you have any questions, please feel free to contact us at any time.
Thx.. Pls clarify on point # 3 below. Will the plan cover treatment related to GI problems if they resurface? Your explanation in FAQ doesn't give direct answer on this. I want to have absolute clarity on this before purchasing from you which is why I am disclosing the condition to you.
There is no way to make the assessment in advance for any specific medical condition. It is determined at the time, after the fact, based on the medical records and the attending physician report, whether something is a pre-existing condition, an acute onset of pre-existing condition, sudden and unexpected recurrence of pre-existing condition or excluded medical condition.
But when insurance companies say that they cover acute onset of pre existing condition, doesn't it mean it covers any medical problem of the past which got re-surfaced due to any reason while policy is effective? All I am trying to understand is that if i have to take my mom to a hospital due to an illness which she had in the past (but now she is normal and doesn't need doctor visit) will she come under the purview of pre existing coverage or not. I know it is specific to an individual but based on the info I have provided can we not figure out anything? I am not necessarily looking for a YES answer here but need clarity. Regards
Please read /visitor-insurance-acute-onset-of-pre-existing-conditions/ That is the best clarify I can give.
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