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

Q:Green card holder insurance questions Hello, My Parents are currently US ( Arrived in March 2016) and received their Green Card about 2 months ago. Fathers Age : 74 and Mothers Age : 69. We didn't had any medical insurance for them since their arrival in US and luckily we didn't had any medical need for them since March. Just to secure remainder of their stay. we would like to buy an medical insurance for both of them. They are intend to stay in US till end of October. Appreciate if you can suggest best available insurance that is cost effective as well. Following is the summary. Primary Applicant Age : 74 Spouse Age :69 Status : GC holder Arrival in US : 5th March 2016. Insurance Start Date : 27th July 2016 Insurance End date : 31st Oct. 2016

A:
You can consider purchasing /international-major-medical-insurance/ Please let us know if you have any other questions.
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Q:L1/L2 visa insurance questions pre-existing conditions Dear Insubuy I have been directed towards your site by a couple of friends who work in USA and are originally from UK. I am working in USA on an L1A visa from September (my family will be on L2 visas). I am looking to purchase health insurance for myself and my family consisting of; Me - 33 years old non smoker Type 1 Diabetic Wife - 39 years old non smoker no pre-existing conditions Daughter - 12 years old Alpha 1 Antitrypsin Defiiciency Daughter - 4 years old no pre-existing medical conditions I will need to access insulin (Levemir and Novorapid) whilst in the USA and want the policy that will be the lowest cost when purchasing the insulin in USA. My daughter will also need to access inhalers (seretide and ventelin) and again want the policy to be the lowest cost when purchasing the inhalers. Does the platinum policy cover these medication costs after the deductible? What would the deductible be? Please advise on the best policy for me and my family.

A:
Thank you for contacting Insubuy for your insurance needs. The plans we offer would not cover pre-existing conditions or the medications for the pre-existing conditions. You would want to check with your employer to see if they are offering medical insurance for employees and their families. While waiting for your employer plan to begin you can purchase the Patriot America Plus plan as a short term alternative that will cover you and your family for any new illness or injury that occurs after the effective date of the policy. More information on the Patriot America Plus including the instant purchase link: /patriot-america-plus-insurance/ If you need additional assistance please feel free to contact our office.
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Q:I would like to know about the travel/ health insurance which I have to buy for my travel to Pisa Italy from date 21-December 2016 to 02 Jan 2017. Could you please suggest and let me know which will be the cheapest and good insurance I can buy.

A:
Thank you for contacting Inusbuy for your insurance needs. We do offer plans that will meet Schengen Visa requirements. Please use the link below to review these plans and to generate a quote for coverage. Schengen Visa Insurance
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Q:My mom in India just 2 months ago started dialysis and plan to come to the U.S. Will the insurance policy be covered for pre-existing condition that occurred less than 6 months?

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately there are no plans that exist on the market to cover pre-existing conditions to include treatment or routine doctor visits. If the proposed insured is needing dialysis this is an expense that they will bear at their own expense as no insurance company will assist with this. The plans available will only cover for new accidents and new illness that occur after the effective date of the policy. If you need any further clarification please feel free to contact our office.
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Q:insurance options for green card holder 68 year old My mother is 68 y.o., she received her green card in the last months of the year 2015. Since that she traveled back to her home country and in June 8th, 2016 she returned to USA for another 9-10 months stay with us. I have been looking for an insurance plan that would be appropriate for her age group considering that she is new to the country and is not eligible for Medicare with the requirements of the minimum of 5 years of being a green card holder. She is generally a healthy woman, does not have any pre-existing conditions of any long-term illnesses, so that would not be a problem as far as covering her doctor visits or medications. What is a much bigger concern for me about my mother would be the accidents like she falls and breaks her hip /leg, arm/, or what if she had a stroke or heart attack. Please, would you suggest any possible insurance plans that would cover her large medical expenses in case of such sudden accidents? Thank you very much for your help.

A:
Thank you for your interest in purchasing insurance through us. Before we suggest any plan would like to know, what kind of insurance she has from jun to till now? Meantime, you can visit our new immigrant insurance section at, /new-immigrant-insurance/ Please enter appropriate criteria and play around policy max. You will find many plans and you can also compare them side by side. I would suggest to purchase green cover if she doesn’t have any current insurance otherwise you can purchase Patriot America plus plan. Please feel free to contact our office at (866)INSUBUY and will be glad to help you. Have a great day! Thank you for your response! My mother does not have any insurance coverage now, in Jan 2016 her last policy had expired and we wanted to get her a new policy considering that she received her green card at the end of 2015. We tried to see if she could be under Obama care insurance but nothing worked for her, plus she was going to visit her home so she was back to her home country March-June 2016. Previously and today I have several times entered my mother's criteria in order to find the appropriate policy and the confusing thing to me was to see which policy would cover her in case of the big expenses due to the major injuries/hospitalization/heart attack/stroke/broken hip/. We even contacted one of the agents, my husband had talked to him, and he told me after that my mother is 68 y.o. and the only policy she should be covered for these major unfortunate accidents is Patriot America Plus, but we missed the time of purchasing it because she had arrived back to the USA more than 30 days by now, these were his words. I have tried to research for more of the options and I failed, that is why I have written you my email with the questions regarding all this. If this is true, and we missed the time of purchasing Patriot America Plus, what other policy is similar to this one with the similar good coverage? You mentioned Green Cover, what policy is this one, would you send a link, please, and do you think it will cover major medical expenses due to major injuries/hospitalization/heart attack/stroke/broken hip/? Thank you in advance, Green cover is the plan for the people who is waiting for medicare or not eligible for Obama care plan. Green cover brochure, instant purchase link, /new-immigrant-insurance/ Please let us know if you have any further questions.
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Q:Medical Insurance - New Immigrant I had a visitors insurance through yourselves while I was awaiting my Green Card that I have now received Re: 11BB15-103566. Do you provide insurance for Green Card holders and can I speak to someone to get a quote please for 6 months?

A:
Per our phone conversation, once you are ready, please feel free to contact our office for additional assistance. It is possible for you to purchase a plan for a month or two while you research your options. The plan I would recommend is the Patriot America Plus plan. You would be able to keep that plan for as long as you needed until you have purchased an ACA plan as discussed. More information on Patriot America Plus including instant purchase link: /patriot-america-plus-insurance/
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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.

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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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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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