Ask Our Specialists

1. Look at /visitor-insurance/ Next to each plan, there is a link 'Provider Directory'. You were already looking at the right place. Atlas America participates in Hygeia as well as First Health PPO networks. Therefore, as long as the provider recognizes either of them, you are fine. Both the logos would be printed on the id card. 2. Even though many people buy 50k because that is the cheapest available, I recommend 100k. Many times, the expenses go beyond 50k easily when something serious happens. You may want to choose higher deductible like $1000 to reduce your premiums. 3. Prior medical records and a letter from the current treating doctor would be of help to file an appeal. Please feel free to contact us at any time if you have any other questions.

Thank you very much for the quick and helpful response. I have one more question: What is meant by indemnity? In the Patriot America plan, an indemnity payment of $100 is included for stay overnight in a hospital. How is this different from room/ board? Thanks again Atul

Indemnity is in addition to the room/board cost. It pays $100/each night for other pocket expenses like food, taxi, phone, misc etc. However, please note that this daily indemnity applies only outside US/Canada.

Could anyone suggest a suitable insurance for my visiting parents. They have no pre existing conditions and will be here for 6 months. They are aged around 64 and 61. Earlier we were planning on getting an insurace from India (Oriental or New India) but was advised not to. I ha been hunting around for and the more I look I am more confused. I have looked at the AIG insurance from kvrao.org, certain insurances from this site. I am looking for a $100,000 coverage with $250 deductabile. Please advise which one to go with and are more reliable know for their services.

While you look at any insurance plan, first make sure whether it is a fixed coverage plan or the comprehensive coverage plan. You can read more about it at /visitors-insurance/ Some people claim it is a comprehensive coverage plan, when it is a fixed coverage plan in reality. In that case, look (or ask them) whether there are any sub-limits in the coverage. If so, it is a fixed coverage plan. Look carefully at all the details. We always recommend everyone to buy comprehensive coverage plans only and never the fixed coverage plans. Particularly, look at Patriot America plan at /patriot-america-lite-insurance/ It is comprehensive coverage plan with reasonable cost, excellent PPO (First Health) and good service.

How does the fixed cverage plan in USA compare with the insurance in India like the Oriental insurance or New India Insurancee?

I suggest that you read the article /visitors-insurance-usa-india-comparison/ It describes in very detail the difference between buying from US and India. After reading that, if you have any specific question, please feel free to post here.

Between "visitors Care" and "Inbound USA" which one do you recommend based on your experience and knowledge.

Both are excellent and very popular plans. However, there are few differences: * Visitors Care participates in First Health PPO network while Inbound USA doesn't have any PPO. * Deductible is once per period of coverage in Visitors Care while it is per incident in Inbound USA. * The policy maximum is life time in Visitors Care while it is per incident in Inbound USA. Therefore, I suggest that you visit https://www.insubuy.com and compare them side by side in detail and pick one according to which feature difference is more important to you. If you have any other questions, please feel free to contact us at any time.