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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:J1 visitor insurance needed Hi I'm looking for medical insurance for my travel. There are few queries. I need to apply for J1 visa for which i must show the hospital I'll work at the "visa letter" as they said. So if I buy the insurance, can you provide me a letter for now and later change the insurance according to my actual travel dates?
A:
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/j1-visitor-insurance-neededhi-im-looking-for-medical-insurance-for-my-travel-there-are-few-queries-i-89249/Thank you for your interest in purchasing insurance through us. We have many plans that meets standard J1 visa requirements. But if you have any additional requirements from school, please send it in pdf attachment so that we can suggest the insurance plan accordingly. You can make any change in travel dates before the eff. date of the policy. You can print the visa letter after the purchased. Please find J1/J2 visa insurance at, /j1-visa-health-insurance/ Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
Q:I have a few questions about the quote I received from your website. 1. Can you provide me with the network hospitals in Miami Florida for the Atlas America Insurance? 2. What is considered "urgent care" ? 3. Is "urgent care" an emergency visit? 4. I noticed "urgent care" does not require a $250 deductible but an "emergency visit" requires a $250.00 deductible plus a coinsurance payment. 5. What is the coinsurance payment? 6. What is the monthly premium on the $493.68 total price? 7. What happens after the first 5,000 medical coverage is used up? Example: For any subsequent treatment (whether for the same condition or a different condition) you do not have to pay the deductible again. If the provider were out of the network and/or they didn't bill the insurance company directly the insurance company will continue to pay 80% for the first $5,000 of coverage medical expenses you continue to pay 20% ( that is maximum $1000). After that the insurance company will pay 100% for covered medical expenses. Up to 50,000.00. 8. What is considered "covered medical expenses after the first $5,000"?
A:
{{currentOrigin}}/answers/visitor-insurance/network-hospitals-urgent-care-emergency-visit-insurance-88941/Thank you for your interest in purchasing insurance through us. What is your visa status? 1. PPO network link for Atlas America plan. 2. Urgent care is outpatient facility that you need treatment immediately but it is not emergency. What is visitors insurance? 3. No. Please read article above. 4. That is correct. Please read how plan works. 5. Co-insurance is the percentage shared between insured and insurance company 6. Premium will be depends on what deductible and policy max. you choose but it . Premium is daily rate so $40.83 for 30 days. 7. After $5000 to policy max. you choose insurance will pay 100% 8. Insurance will pay for new sickness injuries or accidents that may occur after the eff. date of the policy. No pre-existing or preventive care. Atlas America brochure instant purchase link. Please feel free to contact us if you have any further questions.
Q:How can I be certain of what is covered by my insurance? Are general checkups covered? Do I need to do anything prior to making an appointment?
A:
{{currentOrigin}}/answers/visitors-insurance-usa/general-check-ups-insurance-96478/Do you have already insurance? If yes Please provide the policy certificate number. Otherwise when you visit our website at www.insubuy.com Go to appropriate section according to your visa status. Enter the information. You will find many plans and next to each plan there is brochure how plan works certificate wording. You can review that. Please feel free to contact us if you have any further questions.
Q:I am a 26 y/o male and will be doing research in Texas under a J1 visa. My institution will provide medical insurance for me, but it will not take effect immediately, therefore I need medical insurance for 2-3 months. Also, I need medical evacuation and repatriation of remains insurance for one year. minimum insurance coverage requirements indicated by them: Major Medical Coverage per person $100,000 Repatriation of Remains per person $25,000 Medical Evacuation per person $50,000 Deductible not to exceed $500 per accident or illness so is it possible to have that coverage for 2-3 months and then just repatriation of remains and medical evacuation insurance for the rest of the year? could you tell me what the cost would be?
A:
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/j1-insurance-coverage-for-a-short-time-48669/Based on the requirements provided below you may purchase any plan in the J1/J2 section of our website. The Atlas America plan is a popular option. Please use the link below to review the plan details, and purchase. You may also purchase over the phone by contacting our office at (866) INSUBUY. This plan does include the medical coverage and medical evacuation and repatriation limits necessary to meet the requirements below. If you have any additional questions please let us know.
Q:J1 visitor insurance needed Hi there, I will be an international student attending Florida Polytechnic University this fall. I am looking for a health insurance plan that meets the minimum requirements of Florida Polytechnic University. I am 25 years of age. The requirements are: 2) No international student in F or J non-immigrant status shall be permitted to register, or to continue enrollment, at a university without demonstrating that the student has adequate medical insurance coverage for illness or accidental injury and which includes the following minimum requirements: (a) Coverage Period: Policies must provide, at a minimum, continuous coverage for the entire period the insured is enrolled as an eligible student, including annual breaks during that period. Payment of benefits must be renewable. (b) Basic Benefits: Room, board, hospital services, physician fees, surgeon fees, ambulance, outpatient services, and outpatient customary fees must be paid at 80% or more of usual, customary, reasonable charge per accident or illness, after deductible is met, for in-network, and 70% or more of usual, customary, and reasonable charge for out-of-network providers per accident or illness. (c) Inpatient Mental Health Care: Must be paid at 80% in-network or 60% out-of-network of the usual and customary fees with a minimum 30-day cap per benefit period. (d) Outpatient Mental Health Care: Must be paid at 80% in-network or 60% out-of-network of the usual and customary fees for a minimum of 30 (preferably 40) sessions per year. (e) Maternity Benefits: Must be treated as any other temporary medical condition and paid at no less than 80% of usual and customary fees in-network or 60% out-of-network. (f) Inpatient/Outpatient Prescription Medication: Must include coverage of $1,000 or more per policy year. (g) Repatriation: $10,000 (coverage to return the student’s remains to his/her native country). (h) Medical Evacuation: $25,000 (to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge). (i) Exclusion for Pre-Existing Conditions: First six months of policy period, at most. (j) Deductible: Maximum of $50 per occurrence if treatment or services are rendered at the Student Health Center; maximum of $100 per occurrence if treatment or services are rendered at an off-campus ambulatory care or hospital emergency department facility. (k) Minimum coverage: $200,000 for covered injuries/illnesses per policy year. (l) Insurance Carrier must, at a minimum, meet the rating requirements specified in Part 62.14(c)(1) of Title 22 of the Code of Federal Regulations. (m) Policy must not unreasonably exclude coverage for perils inherent to the student’s program of study. (n) Claims must be paid in U.S. dollars payable on a U.S. financial institution. (o) Policy provisions must be available from the insurer in English. Do you have any health plans that meet the requirements above?
A:
{{currentOrigin}}/answers/j-visa-insurance/j1-visitor-insurance-neededhi-there-i-will-be-an-international-student-attending-florida-polytechni-22870/Thank you for contacting Insubuy for your insurance needs. There is a plan called Student Secure Elite and Select that will meet your Universities requirements for coverage. Please use the link listed below for more information about the plan and to generate a quote for coverage. Please be aware that there are several levels of coverage for this plan such as budget, smart and select. Only the Elite and Select level plans will meet your requirements. If you have any questions or need any assistance please feel free to contact our office. Student Secure brochure and instant purchase link: /student-secure-insurance/
Q:J1 visitor insurance needed I am a J1 visitor, I have health insurance through my school. Now, I am only need a medical evacuation and repatriation of remains insurance covering for Aug 15, 2016 through Aug 14, 2017. How can I get it ?
A:
{{currentOrigin}}/answers/exchange-visitors-health-insurance/j1-visitor-insurance-neededi-am-a-j1-visitor-i-have-health-insurance-through-my-school-now-i-am-only-62827/Thank you for your interest in purchasing insurance through us. There is no plan that will provide just the medical evacuation and repatriation alone. We do have a basic (lower cost) medical plan that you can purchase that will include the medical evacuation and repatriation. Please see the details and the instant purchase link for the Inbound USA plan here: /safe-travels-elite-insurance/ If you need additional assistance please feel free to contact our office.
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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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Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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