- 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:dependent child coverage for recent hospitalization hi, I am a non-us citizen but my child is a u.s citizen, he was just discharged before thanksgiving. is the an insurance plan I can buy to cover these.
Q:HCCIMS Clain Processing - Long delays in claim and delayed response. Frustrated I bought the insurance from insubuy for my in-laws. My mother-in-law is still in her 40s and is a pretty healthy woman. Unfortunately, we had to admit her in ER once. We took the ambulance and with good care from the ER doctors, she was discharged after being in ER for 12 hours. While this was a emotionally stressful experience, what followed with HCCIMS claim processing made it even more stressful. May - treatment received in ER May to July - No update from HCCIMS July - Personally called their toll free no and the agent asked to submit claimant statement authorization form. To my surprise, I received a letter by mail asking for the same the next week while there was no communication before that. July - sends a letter to submit claimant statement and authorization form Here is the key information.. everytime you send a communication or new information (even a small letter), they take 45 days to even tell you what is missing! That's their SLA!! Aug - Hospital sends bill to us stating that the insurance had rejected the claims!. I called HCCIMS and they mentioned that the claim is still under review and asked me to call and update the hospital. Aug - I called the hospital and explained the same. they adjusted the follow up date to another month Aug end - Called HCCIMS again.. representative again said their norm is 30-45 days and only after that they will inform. this time I was really hoping something. To avoid further delays, I got medical records of my mother in law from india and mailed it. Sep - called HCCIMS again. they said they are processing the new information. Again 45 days SLA !! Sep to Oct - called HCCIMS. No reply. they just said claims are under review OCT first week - they sent a letter stating that they asked the providers (US hospital) to mail all medical records for my mother in law since 2012. They denied it stating that the hospital didn't send it back. I was surprised and wasn't even updated while the claim was with them for the last 60 days OCT first week - I immediately took my mother in law and asked her to provide authorization to release her records from hospital to insurance company. I also got a copy and we mailed it. ... even now.. NO RESPONSE from them. It is all under review. Now, hospital is behind us for the bills and are saying that they have to give it to a collection agency if we don't respond. More than the emotional trauma, the claim process is frustrating. the toll free no is a waste. You won't get any other info on the claim other than what is in HCCIMS site. Compared to regular US health insurance companies, HCCIMS claim processing is frustrating. I've come to a point where I don't have any intention to buy visitor insurance in future.
Q:J1 insurance comparison hi, i need an insurance plan that meets the J1 visa requirements. i have checked the list of the insurance palns you suggest and the inbound Usa seems to be the most attractive, because it is cheap, you can set the deductible to zero and it seems to have no co-insurance. what are the difference with for example the patriot exchange program or the student secure? can you give me examples of some scenario in which the inbound usa it is not good? Thank you
Q:Insurance inquiry I have a question please, Iam from Egypt and will travel to USA after 4 months and I need personal health insurance for about 6 months, but I will go to more than one state, will this insurance cover these states ( PA, TX, KY )? and they are asking about the state in the application, which state shall I mention ? they are asking about the address there, why ? I don't have there so far as I will travel after a while. will I a proof of this insurance after purchasing ? and how ? - - - Updated - - - and which company will be the best for me ?
Q:Help regarding insurance for blood cancer patient This is Nitish from India. My elder brother is afflicted with blood cancer (B-cell ALL) and it was diagnosed on 6th of February, 2014. Currently he is undergoing chemotherapy and radiotherapy in AIIMS, India, for last 10 months. From next month for two years, he will be under 'Maintenance' period. Dr. A Ganguly (Consultant in AIIMS) told us that he can be cured in US through iPSC (immuno-pluripotent Stem Cell therapy). He also told us that we may need insurance cover upto Rs 1 crore. He told us few names of medical center in US which does this therapy such as Cleveland Clinic, Anderson Cancer Center etc. Does some insurance companies has tie up too with any of such medical centers ? We don't have any relatives in US. Kindly guide us about which insurance to buy so that we can cover most of the expenses there. (Medical + Boarding + Lodging + Travel) As cancer is already diagnosed, which insurance can we buy given that there are chances of relapses in blood cancer ? Will passport number be required for buying insurance policy ? Looking forward to your guidance.
Q:Insurance claim is not being processed Hi, I had Atlas America Health insurance. I visited a Urgent care center on 5/22/2014. As I am not aware that i have to send a pre-auth form after the treatment date and i didn't receive any email asking about it from the insurance company, i didn't send the pre-auth form immediately to the insurance company. The insurance company has closed the claim stating the same reason after 3 months. After i learnt the reason from the hospital, i have sent the pre-auth form to the insurance company multiple times and i have also received the confirmation from them through email. I have called the company thrice to request them to reopen the claim. They have said that they are going to put a request and my claim will be reopened in 3-4 days. But every time I call them they say the same old story that it has not been reopened and they will reopen it in 3-4 days. Despite my continuous efforts, the claim has never been reopened and i had to pay the amount to the hospital. Please let me know what is it that i could do to make it processed. Thanks, Vinay
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