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Ask Our Specialists

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

Q:I have a few questions regarding your Student Secure Elite Health Insurance Plan. Upon review of the benefits, I see that the plan covers 80% for "Mental & Nervous Disorders" with a 30 day max. for outpatient. I want to clarify the meaning of the 30 day max-- would this include psychiatrist visits throughout the length of the plan? I also want to confirm that this plan offers 80% prescription drug coverage, as cited on the benefits page, and wondering if there are any exceptions to this.

A:
Thank you for contacting Insubuy for your insurance needs. The "Mental & Nervous" disorders benefit is a 30 day max at 80% however, this plan does not cover pre-existing conditions for the first 6 months of the policy, so this would not include coverage routine psychiatrist visits. Beyond the 6 month waiting period "Mental & Nervous" disorders would be covered as any other eligible expense in accordance with the certificate wording. The prescription drug coverage is indeed covered at 80% for Outpatient prescriptions. Medications are covered as they relate to any covered medical expense under the plan. If you need any additional assistance please feel free to contact our office
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Q:MY MOM AND MY YOUNGER SISTER ARE CURRENTLY HERE IN HOUSTON, TEXAS FOR 3 WEEKS HOLIDAY. PLEASE HOW MUCH IS YOUR HEALTH INSURANCE FOR A LENGTH OF STAY FOR THEM AS THEY MAY NEED TO ATTEND THE HOSPITAL IN CASE OF ANY ISSUE. THANKS

A:
We have many plans that they are eligible for. The plans will cover any new illness or injury that occurs after the effective date of the plan. Plans do not cover pre-existing conditions, preventative, or routine maintenance. If you would like for us to email a quote then provide the dates you will need coverage, their citizenship, ages, and when they arrived. You can obtain a quote from our website by entering the above information and clicking on get quotes. If you need additional assistance please feel free to contact our office.
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Q:What plans cover acute onset condition? I am more interested in such plans. Is there a way I can know if the conditions fall under acute onset condition?

A:
The Atlas America Plan includes the Acute Onset benefit. You can find many other plans on our website by entering in the required information and click on get quotes. The plans that include the Acute Onset mention that feature in the details. There is no list of conditions since there are too many variables to consider. A condition would have to meet the definition of the acute onset to be considered for coverage. If you need additional assistance please feel free to contact our office.
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Q:Do you have a plan to cover pre existing conditions?

A:
There is no plan on the market that will cover pre-existing conditions. The plans will cover any new illness or injury that occurs after the effective date and some plans will also cover an Acute Onset of a Pre-existing Condition.
{{currentOrigin}}/answers/visitors-insurance-usa/plan-with-pre-existing-condition-coverage-83428/

Q:I am a foreign diplomat who has employed a domestic worker and I would need health insurance for her. She is born 2/22/1986 Nationality Filipino Our contract with her is for one year but we will most likely extend it with one or two year even up to four in all I think it is a A-3 visa We live in DC Both she and we arrived in august 2017. She has stayed with us in Denmark where she was cover by her residence permit. How do we go about that? Can you provide me an offer? What do information do you need?

A:
You can purchase Patriot America Plus plan. Insurance will pay for any new sickness, injuries or accidents that may occur after the effective date of the policy. Insurance will not cover any pre-existing or preventive care. However, Patriot America plus plan provides coverage for an Acute Onset of Pre-existing Conditions. Please feel free to contact us if you have any further questions. We have sent you quote in a separate e-mail also. This quote will be for 3m. But you can edit the input information. You can also retrieve the quote on our website.
{{currentOrigin}}/answers/international-travel-insurance/health-insurance-for-domestic-worker-filipino-nationality-a3-visa-27875/

Q:What plan in the schengen section will provide me a visa letter?

A:
All of the plans in the Schengen visa section will provide a visa letter.
{{currentOrigin}}/answers/europe-visa-insurance/visa-letter-in-schengen-travel-insurance-51272/

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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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.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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

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You could lose your non-refundable trip costs if you had to cancel your trip.

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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.

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

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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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Most schools require international students to purchase health insurance.

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