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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:I'm thinking about purchasing Inbound Immigrant insurance for few month and I would like to know if I will be able to get the Form 1095 to prove that I was covered for these month for my tax filing purposes.

A:
Thank you for contacting Insubuy for your insurance needs. The Inbound Immigrant and other plans found on the Insubuy website are not ACA compliant plans and will not provide a form 1095B for tax related purposes. If you have any additional questions please contact our office.
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Q:I am thinking to get the International Major Medical Insurance plan. I am a Greencard holder and my job does not offer employer insurance. - If I go to the doctor for a regular checkup. How much is the deductible - How much do you cover on prescriptions? - Do you cover the birth control pill? If so, is it a 100% that is covered or is it a different percentage? - What is the deductible in case of surgery? - What is the deductible in case of emergency room? - Do you have a specific network of hospitals that I need to go to? If so, where can I check which ones are the closest to me? - Do you cover dental as well?

A:
Being new immigrant there is only one plan which provides coverage with co-insurance that is International Major medical plan or short term medical plan. 1. Deductible is the amount you pay first before insurance pay anything. You can choose deductible higher or lower. 2. Under international major medical plan $500. 3. Not covered. 4. Same as any other sickness 5. Same as any other sickness/ injuries 6. Under International major medical there is no PPO. You can visit any provider. 7. This is your medical insurance it does not cover dental. If you get into accident then covers up to policy max. You can look for short term domestic insurance which will have ppo network.
{{currentOrigin}}/answers/new-immigrant-insurance/international-major-medical-insurance-plan-questions-for-a-green-card-holder-80100/

Q:I'm diagnosed with oncological disease (Limphoma) and go to travel to the United States. The Atlas Travel insurance have coverage if hospitalization is needed?

A:
Atlas America plan covers an acute onset of pre-existing conditions. However, none of the short term plan covers any routine maintenance for pre-existing conditions. You can also find the information for acute onset and pre-ex conditions in the Atlas America policy wording on page 11 at, /atlas/international-medical-insurance.pdf.
{{currentOrigin}}/answers/international-travel-insurance/atlas-travel-insurance-coverage-of-hospitalization-for-pre-existing-conditions-95682/

Q:I am looking into buying travel medical insurance for my girlfriend on our trip to Thailand. She's a citizen of the Philippines but is working and living in Bahrain. I was wondering if we put Bahrain or the Philippines as her home country when purchasing the insurance?

A:
Although your girlfriend is a citizen of Thailand she is working and living in Bahrain so Bahrain would be considered her home country as this is where she would receive mail and has established residence.
{{currentOrigin}}/answers/international-travel-medical-insurance/home-country-when-purchasing-travel-medical-insurance-39656/

Q:My home country and residence country is different. Will there be any problem?

A:
There will be no problem with a different home country and country of citizenship.
{{currentOrigin}}/answers/visitors-health-insurance/country-of-residence-is-not-my-country-of-citizenship-12617/

Q:I am purchasing the policy online. What should I enter in the Beneficiary field? Just the name of my relative?

A:
The beneficiary field will include the name of the individual that is to receive the monetary benefit for an Accidental Death of the Insured individuals. You will simply state the name of that individual that will receive that benefit.
{{currentOrigin}}/answers/travel-health-insurance/purchasing-insurance-online-beneficiary-field-54141/

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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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

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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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going 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.

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Are 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.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling 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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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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