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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Medical evacuation insurance for Cuba Last March, I purchased a policy covering MedEvac , which is my main concern. I was (and soon will be again) visiting Guantanamo Naval Air Station. It had a more reasonable premium that what I am finding today. Could you please email me with info on what that was and what the cost would be for a similar policy. Liaison traveler is at the top of the printed page that I kept. I am currently covered by Medicare and Anthem Blue Cross and Blue Shield (supplemental). I do not need trip cancellation insurance. I am 76 years old. Thank you.
A:
{{currentOrigin}}/answers/other-insurance/medical-evacuation-insurance-for-cubalast-march-i-purchased-a-policy-covering-medevac-which-is-my-ma-81957/Liaison Traveler has been discontinued. And there are many products that simply don't provide any coverage in Cuba. Please look at Liaison Continent at /cuba-travel-insurance/
Q:Coordination of Benefits I am having a hard time trying to figure out how COB works with Visitor Medical Insurance policies. If I have two plans (say, one from INSUBUY and another from a different broker), how would one determine which plan is primary and which is secondary? Is there a specific rule such as - the plan with better coverage is the primary and the other is secondary? Would I be able to nominate which plan is primary, or would the health care provider determine it when I show them both plans? (say, depending on which network the provider belongs to, or whether or not the insurance will cover that specific claim). How about scenarios where it is quite clear that only one of the policies will cover a claim and the other will surely reject it - can I simply go ahead with the policy that will cover the claim? Also, would I be required to disclose the multiple coverage scenario to both insurance companies? Finally, even considering the fact that I am ok with paying two premiums, would carrying multiple insurance policies do more harm than good? Is there any precedent for such a scenario? There are specific reasons why I am considering this option, but all my internet research done so far only talks about cases where a person is covered by multiple plans due to his/her spouse also having employer provided coverage - which isn't the case here. Any help or insight provided by an insurance agent will be greatly appreciated. I am hoping there is a precedent for this even though I couldn't find any related discussions in this forum. Thanks, Vijay.
A:
{{currentOrigin}}/answers/visitors-health-insurance/coordination-of-benefitsi-am-having-a-hard-time-trying-to-figure-out-how-cob-works-with-visitor-medi-95597/Which plan is primary and secondary is determined by each plan and is not dependent upon from which broker you purchase the insurance. We offer most major plans available in the U.S. market and if you let us know the names of various plans we offer that you are considering, we can tell you precisely which one would be primary and which one would be secondary. If there is a plan that we don't offer, we can not comment about it. You will have to ask the seller of that plan for any questions you have. You can't nominate which one is primary and which one secondary. Of course, you are required to complete all the forms truthfully and if asked, you must declare what other insurances you have. You can't at will choose with which company you want to file the claims. If you can kindly call our office and discuss the specifics, we would be glad to help you to the extent we can.
Q:Finding alternative insu for int'l student Finding the default type is quite costly, I would like to apply for another with those requirements: - A max deductible $500 - Min $50,000 in medical benefits per accident/illness - Min $10,000 for medical evacuation - Min $7,500 for repatriation I am appreciate very much if you could suggest me the suitable type that could count in.
A:
{{currentOrigin}}/answers/international-student-insurance/finding-alternative-insu-for-intl-studentfinding-the-default-type-is-quite-costly-i-would-like-to-ap-76430/Please look at Patriot Exchange Program at /patriot-exchange-program-insurance/ It sounds great. Besides, I also found that there is a plan called "Student Health Advantage" and it also has some relevant benefits. But the "repatriation" section is not mentioned. Would you mind providing me more information about this? Repatriation of mortal remains is already included in Student Health Advantage. Please look at the brochure at /student-health-advantage/international-student-health-insurance/
Q:claims process with HCCMIS Hi , thanks insubuy for creating this forum. This is very insightful - unfortunately I had not read this forum until I bought Atlas America insurance - otherwise I could have purchased it through insubuy. Having said that- this is regarding a claim for my FIL who was visiting us . He is 63 years- known hypertensive with a history of COPD. He had severe chest pain and was taken to emergency and was in the hospital for three days. Various test were performed including angiogram. At the end everything was normal and he was discharged. The insurance was charged more than 50k for the admission. I understand from the beginning the pre certification requirement. Hence I made numerous calls to HCCMIS , made the hospital call and got the authorization code. Now after 45 days they get back saying pre certification is incomplete without the clinical packet which the hospital utilization department had to send. Now I contact the UR and they did send the packet but to a wrong fax number. I did request them to send it to the right number. So is there a way to make hccmis understand that as a patient I had done all that is required. I had no idea on this clinical packet. Although I got the authorization code - will I be penalized for what the hospital did not do ? How can this claim process be more efficient . Any help and guidance will be appreciated . Thanks
A:
{{currentOrigin}}/answers/visitors-medical-insurance/claims-process-with-hccmishi-thanks-insubuy-for-creating-this-forum-this-is-very-insightful-unfortun-54372/I am sorry to hear that you are having difficulties with your claim. As you didn't buy from Insubuy, we are legally not allowed to interfere in this matter. If you had bought through us, we would definitely help you personally. Read /why-purchase-from-insubuy/ Why buy from Insubuy. In any case, I would be glad to provide you with general help. I suggest that you contact the hospital and have them write a letter explaining what happened. If they can provide a proof that they had sent it to a wrong fax number (may be fax transmission report or something), you can attach that. After that, you can follow up with HCCMIS and explain basically what you are explaining here that you did everything you could as a layman customer. You would have no idea about this clinical packet. I don't see any mention of that patient responsibility anywhere in the certificate wording. I hope this suggestion is helpful to you and it works out for you. Thanks so much for the reply and suggestion Even though it is a little late, I got the following reply from HCCMIS. "Clinical packet is what we send to the provider to be completed as part of the pre certification process. It is basically the precert forms where provider fills in needed info for imas to review for med necessity. After reading the thread please advise no penalty will be assessed due to a delay of the needed information. Assure our valued member I will personally notate his file as such and follow up with our pre certification department asap. This is not an approval for payment. The decision for payment will be made after we receive and review all necessary documentation." Therefore, according to the above, you should not be penalized. Please let me know how it goes. If you need to get in touch with the person who sent me the above reply, please contact me privately. Hi thanks so much for following up. I would appreciate if you could provide me the details of the person you contacted at HCCMIS . My email is ashu9_in@yahoo.com At present my claims is in ' in processing' stage. I have not yet received a final explanation of benefits. Thanks so much for following up. Hopefully this thread and informations will be useful I future for other customers as well . I have emailed you the details.
Q:Question on the insurance for my 71 Year old mom She will be coming to US on Friday. Good health but has arthritis issue. Planning to get her the Patriot USA insurance (Not platinum). I know the coverage is extremely limited and almost everything could be a preexisting condition. But in case of a pre-existing condition claim will the billing be for the negotiated rate or the premium rate if it is not covered by insurance? Thank you for your reply
A:
{{currentOrigin}}/answers/visitors-medical-insurance/question-on-the-insurance-for-my-71-year-old-momshe-will-be-coming-to-us-on-friday-good-health-but-h-71765/Network negotiated fees are only for the covered expenses. Please let us know if you have any other questions. Thank you for your reply!
Q:Visitor's Insurance in state of Washington Hi there, I read thru the details on different insurances and now i would like to go ahead with Atlas America for my in-laws who are already here with us in Washington. According to the rules, i cannot purchase the insurance when they are physically in state of Washington. So my question is, can I drive them to Portland, OR and purchase the insurance while we are there? Technically they wouldnt be in Washington when i purchased the insurance. Will that work? Thanks
A:
{{currentOrigin}}/answers/visitors-insurance-usa/visitors-insurance-in-state-of-washingtonhi-there-i-read-thru-the-details-on-different-insurances-a-19188/Yes, that would definitely work. In fact, it is described at /guide/ Yes, that would definitely work. In fact, it is described at /guide/ Cool, so will there be any requirements in terms of providing the proof that they were physically not in WA when insurance was purchased? No
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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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