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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:OPT coverage questions Dear Insuby, I am a 24 years old Pitt (PA) F1 new graduate and OPT will start on 6/15 and I have not found a job yet. I am considering have an insurance. A question about eligibility of Patriot American. I input my information and the website recommend Patriot American (Plus) to me, it looks good but I am not sure whether I am eligible for this. Because I have had International Student Insurance and ISO insurance before, did these count for domestic insurance? Can I buy Patriot American? Besides, a question about pre-existing condition. I went to hospital 10 days ago for some rash I haven’t had before (my insurance expired then, so I paid myself), but the doctor was uninsured and give me a ointment for basic treatment. They encouraged me to buy an insurance because they said they may have to do some tests (for skin? I am not sure) for diagnosis, and that will be a large bill. The condition of rash dose not improve so I have to went to clinic again. Is this rash a pre-existing condition? If I can buy Patriot American (or Plus) now, will they cover my next clinic bill, even the test? If unfortunately all answers are NO, what’s your suggestions?
Q:Do you have plans that can meet my school requirements? Hello, I am looking for an insurance policy(for 2 months) which will satisfy this criteria: • $500,000 per person, per accident/illness in medical coverage • Annual Deductible of $250 or less. • Coinsurance that does not exceed 20%. • Medical evacuation up to $50,000 or more. • Repatriation up to $25,000 or more. • Plan includes a reasonable waiting period for pre-existing conditions • Carrier must be at least A- rated or backed by the full faith and credit of the Exchange Visitor's government. I'd appreciate If you can recommend me one. Thanks
Q:I was looking on the web your site and I am trying to find a quote. Al information is for my son, he is under DACA and he needs health coverage for the university (University of Pittsburgh). But when I filled the information I can not pass the first page. it required visa status (F1/F2) but he is DACA.
Q:I'm from Inner Mongolia University of China, I'm going to study abroad as a visiting scholar to Northwestern University by the end of this year, I consult a family insurance for me and my kid, do you have any insurance recommended which should satisfy J1 and J2. if there are some better plan, please recommend to me. The insurance requirments: U.S. Government regulations require J-1 scholars and J-2 dependents to have health insurance. As of May 15, 2015, the J-1 regulations require the following with respect to health insurance coverage: Medical benefits of at least $100,000 per accident or illness Payment for repatriation (preparation and transportation of remains to home country) in case of death in the amount of $25,000 Payment for medical evacuation (transportation to home country on advice of attending physician) in the amount of $50,000 A deductible not to exceed $500 per accident or illness Coverage of pre-existing conditions after a reasonable waiting period Payment by the insurance company of at least 75% of the costs of medical care (the patient must not be required to pay more than 25% of medical care costs)
Q:I need to cover my family who are on J2 visas Dear sirs, I will go to USA for 2 months from 1st August to 30 September 2015 as J-1 Exchange Visitor visa. My family members consists of 43 year old husband, 14 year old daughter and 5 year old twins will go there with me as J-2 Dependents for 2 months as well. Please advise me how I can purchase the health insurance for my dependents (J-2). The requirements are as follows: • Medical benefits of at least $100,000 per accident or illness • Repatriation of remains in the amount of $25,000 • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000 • A deductible not to exceed $500 per accident or illness Thank you so much for your advice. I look forward to hearing from you. Best regards,
Q:Do you have policies that can meet my school's requirements as well as for the J1? Hey, These are the minimum requirements set out by my university; SF State 2014-2015 Insurance Policy Minimum Requirements Insurance Broker must certify that all of the following conditions are met: • Policy must be in English. • All coverage limits must be in U.S. dollars. • Medical benefits of at least $250,000 for each accident or illness. • Full cost of medical evaluation. • Full cost of repatriation of remains. • Coverage for the entire academic year. • Must cover pre-existing conditions, with a wait person of no more than six months if attending the full academic year. • Minimum 75% coverage for each accident or illness. • No capped benefits, e.g. $1,200 per day for hospital room. • Maximum deductible of $100 per condition per plan year. • Maximum out-of-pocket expenses $2,500 or less. Regards
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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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