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visitor's medical insurance Hope you are doing well. Looking for visitor's medical insurance for my Mother in Law. She turned seventy last month. We prefer the same insurance (Atlas America) which we had last time for her. However we were not able to find the same on your website. Please note that our nearest hospital is JFK hospital in Edison, NJ and her PCP was Dr. Hitesh Patel. Please let us know. Thanks,

Answer:

Atlas America is certainly available on our web site. I believe that you must have put the criteria which does not satisfy Atlas America and therefore, it might not be showing up. (Such as if the person is 70 and you want $100,000 or $500,000, Atlas America would not show up because the maximum available for 70+ is $50,000.) You can directly access Atlas America insurance at /atlasamerica-insurance/


Thanks for the response. Please let us know the maximum coverage available for a 70 year old person and how much it would be? Approx. travelling dates - July 28th, 2011 till December 11th, 2011. Thanks,


Atlas America - $50,000 /atlasamerica-insurance/ International Major Medical - $250,000 /international-major-medical/travel-insurance/


Thanks. Worldmed - $150k ? Please let us know the premiums as well. Also let us know whether they cover Dr.'s and hospitals in Edison, NJ.


Yes, WorldMed is $150k but make sure to read the restrictions in the certificate wording. You can find out the premiums for any plan by entering your information at /


Please let us know which one will cover Dr.'s and hospitals in Edison, NJ, so that we can go ahead and register. Is Dr. Hitesh Patel in the providers list ?


What policy maximum would you like to purchase and for how old person? Is it the same 70 years old person?


Same person. Did not see that many options for 70 year old person. We would like to know which one will cover Dr.'s and hospitals in Edison, NJ, so that we can go ahead and register.


Please let me know the policy maximum you would like to purchase: $50,000, $100,000 or $150,000?


It will based on the provider network and Drs. in Edison, NJ. Does all of them have the same network and providers ? Any of them cover pre existing conditions ?


No, different insurance plans participate in different PPO network. Please look at /visitor-insurance/ For all the plans that participate in the PPO network, there is a link called 'Provider Directory' next to it. You can search to find out the providers in your area . Please that cover pre-existing conditions in some form up to some extent are listed at /pre-existing-conditions-coverage-visitors-health-insurance/ Please let me know if you have any other questions.


Policy max - $100 - 129 Patriot America - Was unable to find Dr. Hitesh R. Patel. Diplomat Long term - No provider directory. Worldmed - Was able to find. But it's only accident coverage. Please let me know whether I am missing anything.


Please note that even if some Dr is not in the network, you can still go to that Dr. Alternatively, I suggest that you contact the Dr and ask whether he participates in First Health PPO network or not. Otherwise, you can consider going to another doctor. The choices I told you are the only choices avialable in the market for age 70+ if you want $100,000 or more of comprehensive coverage.

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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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