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

Q:I am currently on opt status and i was trying to buy the health insurance online i selected a plan with 60$ payment for a month 0$ deductible and max coverage is 100,000. I have a question if i want to buy it for a while year and want monthly payment it is not allowing me to do so. So i have to buy insurance every month by repeating the same procedure? The name of the plan is ATLAS EXCHANGE. I didn't have insurance last year. In 2015 i had insurance from.my university. I am residing in MO and the last entry date on US was 28 dec 2013.

A:
You would be eligible to purchase the Atlas Exchange program for coverage on OPT as long as you hold a valid F visa in the United States. If you would like to purchase this plan an pay monthly you will have to purchase for one month and renew the same plan every month thereafter. If is not possible to purchase for 12 months and have a monthly billing cycle, if you purchase for 12 months a one time you will pay for the entire duration at once. If you need any further assistance please feel free to contact our office.
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Q:Looking for some help with insurance. I am traveling to 22 countries over the next year as a missionary but will also will be coming back to the states on a few countries. I have looked through those links but just am not sure what to do. I am traveling until the end of November but coming back to the states 4-5 times in between the travel. Wasn't sure how to best cover myself and also keep costs down. I maybe go to a doctor once a year normally for just a physical. Very healthy individual so it's often hard for me to rationalize spending a ton of money. What is my best option. Do you have any suggestions?

A:
You may purchase the Global Mission Medical Insurance plan to provide coverage while traveling to the various countries, and for visits to the U.S. as long as you will be outside of the U.S for at least 6 months. A second option is to purchase a plan from the Travel Outside USA Insurance section of our website, but these plans will only cover you anywhere outside of your home country (U.S). The travel outside USA plans must be purchased for each individual trip, and once you return to the U.S. the coverage will deactivate. If you have any additional questions please let us know. You may also obtain a plan recommendation by contacting our office at (866) INSUBUY.
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Q:Looking for some help with insurance. I am traveling to 22 countries over the next year as a missionary but will also will be coming back to the states on a few countries. What is my best option. Do you have any suggestions?

A:
Thank you for contacting Insubuy for your insurance needs. We are a broker and offer all of the major plans available on the market. In order to recommend the appropriate plan we will need to know more information. Can you please let us know if there are specific dates of coverage or if you are looking for a plan which would be in place for the entire year? We have included a link to the Missionary Health Insurance section of our website. If you have any additional questions please let us know. Missionary Health Insurance
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Q:I have a question about health insurance in your company. My son has been in US for four years and just got his green card and need to buy a suitable health insurance. I searched in Insubuy category New Immigrants and found Pariot America looks good. But I am not sure if it is a health insurance which meets the government's requirement for obtaining health insurance (or pay fine). If it is, I will buy it immediately. Could you please give me a certain answer or provide some other plan which is suitable for me.

A:
Patriot America plan does not meet PPACA requirements. He needs to enroll under Obama care plan. We can provide him short term plan but it's not PPACA compliant plan.
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Q:I am an Indian Citizen living in India. I frequently travel international destinations and want to purchase your multi trip policy. Is it allowed for Indian citizens?

A:
The multi-trip plans would be available to you for coverage regardless of citizenship. Please use the link below to review the available plan options. Multi-trip Travel Insurance
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Q:I would apply to international major medical plan as Non-US Citizen. Forwarding the application about information contact, need I fill with address where I will stay? And if yes, in case I'll change address, what should I do?

A:
You can enter your current address now. Once you moved, Please contact us using the MyAccount feature and provide your new address. International Major Medical
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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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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?

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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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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.

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