- Share
- Search
Site Search
- Contact
Contact Us
Speak to a licensed and experienced insurance agent in the United States.
- Office Hours:US Central Time
- {{allSevenDays}}
- Mon-Fri
- Current Time:
- Call Us:
Toll-Free: +1 (866) INSUBUYToll-Free: +1 (866) 467-8289- Local: +1 (972) 985-4400
- WhatsApp: +1 (972) 795-1123
- Chat With Us:
For faster service, you can easily extend or submit requests for cancellations or corrections using MyAccount.
中文- Language语言Idioma日本語한국어عربيةItalianoРусский
Change Language
There was a problem, please make the requested changes and submit again:
Ask Our Specialists
All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Claim was rejected Hi, I purchased medical insurance from insubuy for my in laws'. We had to visit the doctor cause my mother-in-law got swelling on her face. The doctor prescribed her prednisol. I paid my copay and was expecting the insurance covers the rest. but I got a letter from the Insurance company that they are rejecting the claim. Reason code 45. description condition not covered under plan. where can I get a comprehensive list of conditions not covered?
Q:Atlas America and its PPO network Does the PPO network agreement with the in-network medical providers limit the price that the provider can charge for a specific service? Another way to put it is: does the PPO network agreement reduce the amount the provider can bill, if the provider charges too high (which would show up as a PPO discount of the services on an explanation of benefits statement)?
Q:Atlas America claims submission process If you insurance company direct billing with medical provider, do you still need to send a claims form? If so: 1. do you send it simultaneously with whatever the medical provider does, or do you wait until the medical provider actually sends you a bill? 2. do you have to send the invoices and all the travel documents each time?
Q:health insurance premium for H4 when in India for few months Hi, I am on H1B and my wife on H4. I have health insurance through my employer and I have to pay a big premium for both of us. Now my wife went to India for 3-4 months and I would like to stop paying premium for her(it is expensive) until she comes back by removing her from the insurance. But my employer is saying it is not possible as you cannot remove/add without any life changing event like divorce, marriage etc...? Please clarify. Is there anyway I can remove her from the insurance, buy a short term insurance for her until she comes back, then cancel that and then add her back to my employer insurance?
Q:Insurance Presale Questions My mother is coming to visit me in USA for 74 days and I am planning to take a visitor insurance. I have a few questions. 1 My mother had breast cancer 12 years back and it is completely cured now. Can she take insurance from your website? 2. Indian insurance companies give emergency advance, baggage loss ,loss of passport etc. Do you provide the same? 3. Do you have to notify the insurance company in advance if you want to visit the doctor? Thank you Sunny
Q:Question about age Can someone clarify the age requirements listed when obtaining quotes? Is this the age at the time the insurance policy is bought/start date, or the age at the end-date of the policy? If someone I am buying the policy for turns 70 during the coverage period, what is the age I should list when buying the policy?
Can't find answers to your questions?
Ask our specialists - Licensed and experienced insurance professionals in the U.S.
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.
Did you know?
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.
Learn More