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Hope things are fine at ur end. Below is a quote for one if my friends parents. He was given 2 quote and seems to be big difference. Which one would you recommended. Other question he has was, how you heard about complains that claim was rejected via this type of insurance. If you could reply all, appreciate it.

Hello, 1. I believe that he is referring to the fixed vs comprehensive coverage types of plans: Fixed vs comprehensive. /visitors-insurance/ Fixed coverage: Example: Inbound USA Fixed coverage plans pay a fixed amount for each and every procedure and you will have to pay the difference beyond that yourself. For example, if you take $50,000 coverage with $50 deductible, you will have to pay $50 per every sickness/accident, then the plan pays $55/dr visit, $330/er visit, $3,300/surgery etc. As you can see, those amounts are highly inadequate and therefore, we don't recommend such coverage. Comprehsnve Coverage: Example: Atlas America It does not have the sub-limits such as in Inbound USA. E.g., if you take $50,000 coverage with $250 deductible, you will have to pay $250 deductible once for the whole duration, then as long as you go to the providers in the PPO network and they bill directly, it pays 100% to the policy maximum. Otherwise, it pays 80/20 to $5,000 then 100% to the policy maximum. This is the type of insurance we always recommend to everyone. Personally, both I, him and some of his other friends have always purchased only the comprehensive plans for the parents, in-laws etc. and never the fixed coverage. 2. Insurance companies would pay for all eligible claims. However, it is a medical fact that for elderly people, there would be some conditions that would clearly ineligible and not covered. That is the same across all the plans. If you have any other questions, please feel free to contact us at any time.

Thank you for your clarification. I will go ahead and purchase your comprehensive plan for my parents. Please let me know when is a good time to call and buy the same and what else will be required - I have the DOB's and the Passport number of my parents. Thank you so much for providing this invaluable service. Best regards,

You can call us at any time during office hours. You can talk with anyone in our office. Their exact names would be required as well. You can also purchase it online through the link you were sent. (Click on 'Purchase' button.)