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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:This is Hina here. I ned to inform you that I had purchased medical insurance of 32.90 USD. With this mail I am also attaching a copy of it, kindly go through it. This insurance have (Maximum Limit 50,000.00 USD/Deductible 2,500.00 USD). But as I am enrolled in J1 program and for my J1 program requirements I need yo have an insurance having following features: --Medical benefits of at least $100,000 per person per accident or illness; --A deductible not to exceed $500 per accident or illness. So, it is my humble request to kindly upgrade my insurance plan to which I need. Please contact for any query.
Q:I am a US green card holder who splits time between US and Uk. I have Medicare Part A. I will be spending 4 months this summer in Indianapolis. Would like to know which health insurance option is best for my situation.
Q:Just want to inquire if you have a dental plan for us visitors? I need to purchase one for my dad who just arrived here in the US. DOB: April 18, 1956 He is from the Philippines with a US tourist visa. Please send a quote.Thank you!
Q:If I take out a plan for $100,000 does this mean that this is the total that can be claimed in the plan period or is it the total that can be claimed for each hospitalization / incident.
Q:My family is moving to Thailand to be a long-term missionary in September. What are the choices of health insurance for my family? We are US citizens. It's for myself, my wife, and four children (age 9,7,4,2)
Q:Pre-Existing Condition Story Hey Everybody, I have a question about pre-existing condition with my short term health insurance plan. In 2014 I was playing soccer and hyper-extended my right knee. I got an MRI which showed I partially tore my ACL and had a small meniscus tear. I was told I did not need surgery and that I could attempt to let it repair itself. At this time I had full health insurance from my full time employer. I ended up letting the knee get better and seemed to be OK. Fast forward to 2017, I was playing soccer again and twisted my right knee and heard a noise and fell to the ground. I went into the doctor again and got an MRI. The report showed I had a complete disruption in the ACL and two tears in my meniscus. At this time I am covered by a short-term health insurance plan since I left my job to do some personal traveling. I was covered by this short term policy at the time of the new injury. The doctor has seen both MRI's and has concluded that the injury in 2017 is a completely new injury and that now I suffer from instability, which I did not prior. The surgery is scheduled and has been pre-authorized with my insurance provider. However I am concerned that they will retroactively come back after the surgery and call it a pre-exisiting condition and deny coverage and leave me with the full bill. Does anyone have any advice or inputs to give me? Since the doctor says the 2017 injury is a new injury, does that mean the 2014 is not considered existing? Has anyone had an experience like this? Can the insurance company even access my old MRI to see my previous injury? Should I call my insurance company to request a pre-determination review and open a can of worms that i maybe should not? Any help would be so awesome!
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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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