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All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:Immigrant Secure Plan Hi Anyone have experience with Immigrant Secure plan. I believe it is administered by HCC Medical Insurance Services.

A:
You can all the information about Immigrant Secure plan at /visitor-secure-insurance/ You can get instant quotes and make instant purchase right there as well. If you have any other questions, please feel free to post them here or contact us at any time. First, let me thank you for responding to a lot of questions here. I have been browsing these forums (this is my first post) and see you patiently explain/answer everything. I saw the Immigrant Secure brochure and liked many aspects of the plan. My specific questions are (sorry, some of them may be basic but I am new to this): 1. I was led to the plan through a general Google search. But I didn't see that plan listed when I searched insubuy for visitor insurance plans. I also didn't see this plan discussed much on the inubuy forum. Just curious if it was not popular or has some deficiency that I don't see. 2. I understand it is not a comprehensive plan but a fixed coverage plan. Is the plan part of any PPO network, where if I go to an in-network doctor/hospital, I will be responsible for only the contracted rate (less whatever insurance pays)? If so, can we do direct billing to the insurer? I didn't see the PPO mentioned specifically in their brochure, unless I missed something. What PPO networks are they part of, if any? 3. I assume Immigrant Secure plan will pay (subject to the deductible, plan max., covered benefit etc.) even if you visit an out of network doctor/facility, correct? Just that there will not be any contracted rate. 4. Does insubuy sell this policy? Is insubuy only an insurance agent/broker or does it perform any plan administration (for any plan, not just immigrant secure)? 5. One of the main difference I see between a comprehensive plan and a fixed coverage plan is the limited benefits for each incident and per incident deductible for fixed coverage plans. If the benefit limits are not too low (e.g. Plan D in Immigrant Secure) and one can afford to pay the per incident deductible (there is the $0 deductible option as well), my thinking is, these plans would likely cover the rest (if the limits are not too low). Is this correct thinking or am I missing something? 6. Finally, I wanted to see if anyone has personal experience with this plan. Particularly, if they have made a claim and got paid. As you noted in another post, we mainly hear (complaints) from folks who had issues with a plan but not always from folks when things go well. But the real test would be to hear from folks who actually made large claims on their policy and got paid as per the plan schedule. Thanks. You are welcome. I would be glad to answer all of your questions. 1. There is no hidden deficiency or catch in the plan that you already don't see in the public documents available on our web site. 2. Please look at /visitor-secure-insurance/ It mentions that it participates in First Health/PHCS/CMN PPO networks. There will be contracted rates in PPO network and most providers in the network will directly bill. 3. There will be no network negotiated rates out of network. The insurance will pay according to the schedule of benefits for all eligible medical expenses. 4. We certainly sell Immigrant Secure policy. We offer all major visitors insurance plans available in the U.S. market. The definition of administration can vary to different people. You can contact us for understanding the details of the plans, for buying it and also for most post sale related administrative tasks for all the plans we sell. (Such as you didn't get the cards, need help in searching the Dr, renewal, cancellation, corrections etc.) However, the claims are handled by HCCMIS. Therefore, you can contact us for anything other than the claims related routine questions. Even for claims, you can always contact us if you run into any problems or need any help. 5. If the fixed coverage plans were enough, there would be no reason for anyone to pay more money and buy comprehensive coverage plans. And comprehensive coverage plans would not even exist. 6. In such cases, no news is good news. If someone has good experience and they never report, we really have no way to know what happened. New customers (and we) would like to know about the positive experiences, but most current customers simply don't care to report good experiences. I am sorry but that is the reality. I welcome anyone who had any positive experience with any plan to post in detail. I hope this answers your questions. If you have any further questions, please feel free to contact us at any time or post them here.
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Q:insurance for f2 I'm a student of Ohio State. Currently I'm enrolled in our school's comprehensive insurance plan, but I don't buy our school's insurance for my wife (f2 visa holder) yet, because it's too expensive (more than $6,000 per year). I wonder if there are any suitable plans for her, including emergency care, regular inspection and maternity care (although we don't have plan to have a child, just in case). Thank you very much, any advice is appreciated!

A:
Do you want insurance only for your wife on F2, or also for you? Just for my wife now. I don't know if I can drop my school's insurance and buy new one with my wife together. Thanks~ If you want just for your F2 wife, the plans are the same as the visitors insurance. You can find them at / They will not cover any expenses for maternity. If you want to buy for you (F1) and F2, you can buy student plans. They will cover maternity if conception ocurrs after the effective date. /international-student-medical-insurance/
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Q:Seven Corners Problems Scam Worst insurance scam ever. Bought $50,000 coverage for my visit to the US. Fell sick and was in the hospital for 5 days. The hospital and doctor’s bills came to $46,200. They only paid $5,600. Don’t ever use 7 Corners. They will not honor their insurance agreement. They claim you bought a poor policy with limited coverage. They have so many limitations within sub limitations, that it is impossible to get any actual coverage. The total hospital bill came to $46,200 and they covered $5,600, so I am out of pocket $40,600. They only pay $250 for an emergency room case with all the tests and emergency procedures, (the hospital billed close to $15,540), they only pay $55 for a doctor's visit (every heard of a doctor making calls for that much?) (the hospital charges close to $600 per specialist visit). I’m very upset and disappointed thinking I had $50,000 in medical coverage. I learnt my lesson by using Seven Corners. Be forewarned, their policies are worthless.

A:
Seven Corners offers many different insurance plans, listed at /companies/ You decided to purchase a limited coverage is which is very low cost. Everything is clearly described in the brochure and policy wording, all of which were available to you before purchase and after the purchase. Therefore, what you bought is what you will get covered according to. You can't buy the cheapest plan and hope to cover it the most. I don't know who you purchased the insurance from. However, we as a broker, work for you and try our best to educate our customers and advise them to buy the comprehensive coverage plan. If one plan costs $60/month and another $200/month, both could not be providing the same coverage. Otherwise, the $200/month would not exist because there would be no reason for anyone to buy them. If they paid according to the schedule of benefits that they were supposed to, you can't complain about it. There is no reason for them to pay more. I recommend that you buy the comprehensive coverage in future. Do not make false accusations. From what you wrote, it seems that they have honored their insurance agreement. Dear Mr. Babco, Your claim that Seven Corners does not honor our insurance agreements is untrue. As I have tried to explain in all of my responses, unfortunately travel and visitor’s insurance cannot possibly cover everything. If we covered everything, consumers would not be able to afford the coverage. What we try to do, is provide you with options: Option A URC (Usual, Reasonable, and Customary)-More comprehensive coverage for new accidents, and new illnesses. Comprehensive covers more, so it is more expensive to purchase. Option B Scheduled Benefits-These plans will only pay out to the amounts posted in the policy. They cost less, because they provide limited coverage. Some consumers want to pay less premium, and are willing to take the risk of paying more out of their pocket, in the event of an eligible claim. Other consumers wish to pay more premium, so in the event of an eligible claim, they will have a smaller financial responsibility. We post all of our wording and policy languages upfront prior to purchase. If you research other travel and visitor’s insurance plans, you will see that we are all offering the same types of options. Seven Corners is one of the few companies that publishes all of their documentation, at all times. Seven Corners allows you to chose what you feel is best for you. If you do not understand the wording, we encourage you to please call your agent. Best Regards, Suzanne Munson Customer Service Manager at Seven Corners
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Q:Primary or secondary travel medical insurance I will be traveling to Yakota AFB in Japan and need medical and air evac coverage. I was looking through the policies and noted that some are "secondary", does that mean I need to purchase primary also? I currently have health insurance through my employer, so will that work as primary?

A:
You don't need a primary insurance to buy insurance that is considered secondary. It just means that the insurance you are buying would be considered secondary to any other applicable insurance that you might have. Please look at / for various plans we offer. Please let me know if you have any other questions.
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Q:Visitor medical insurance-Need suggestion My other is visiting US on Oct 31. Last year I purchased with your sugggestion. Now when I searched in <a href='/'>/</a> I am getting one fixed coverage plan only. What about comprehensive plans. Is patriot america plan still availble. Last time I bought that. Please reply at the earliest.

A:
All the plans are still available, including comprehensive coverage plans and Patriot America. If you see only one plan, most likely you chose the policy maximum, $25,000 or $75,000. If you choose $50,000 or $100,000 or something like that, you will see many more plans. If you have any other questions, please feel free to contact us at any time. My parent are visiting USA for 3-4 months. My father is 72yrs and mother is 65yrs.I am really confused seeing too many options of the insurances. I just want a comprehensive coverage with pre existing cover.Don't want to take any risk. I like the Atlas America plan but not sure that it is perfect to buy. Need your advice.Please reply at earliest. Thank you for your interest in purchasing visitors insurance for your parents. Atlas America is an excellent visitors insurance plan and currently the most popular one. Please note that no visitors insurance plan from any company covers pre-existing conditions for visitors to the U.S. Atlas America covers up to $15,000 in acute onset of pre-existing conditions for the persons below the age of 70 years and that is the best option available so far. You can confidently purchase it online at /atlasamerica-insurance/ I hope that answers your questions. If you have any further questions, please feel free to contact us at any time or post them here. Thanks for your advice. one more question. My father is 72yrs. So Atlas America won't cover his pre existing problems. Is there any other option for comprehensive insurance for him. If there is a cheaper comprehensive insurance than Atlas America then why should i go for this??Just need a good understanding. Hope u understand my question.I also want you to suggest some other options so that i can compare . This is regarding my father's insurance. For my mom, I will definitely buy Atlas America. There is no comprehensive plan available currently in the market that would cover any form of pre-existing conditions (not even acute onset of pre-existing conditions) for the person age 70 years and above. Therefore, there is no other alternative. You can certainly go for the cheapest comprehensive plan available. We have all major plans available in the U.S. market and they are listed at https://www.insubuy.com Of course, each one of them is a little different from others. Price is not the only factor to look at. Several factors to look for is the deductible, renewability, refund policy, coinsurance, out of pocket maximum, network providers, any additional restrictions in benefits and so on. E.g., if some plan has 90% coinsurance, while other plan has 80% coinsurance, obviously, 90% coinsurance is better. If two plans have 80% coinsurance, but one plan says 80%/20% coinsurance for first $5,000 and the other one says 80%/20% coinsurance for first $10,000, obviously the earlier one is better because coinsurance max out of pocket would be $1,000 vs $2,000 in the later. Therefore, I suggest that you visit https://www.insubuy.com and enter your criteria. You will see all different plans and compare them side by side. You will see major differences side by side. Of course, one benefit may be more important to you than others. That way, you can make the most informed decision. I hope that answers your questions. If you have any further questions, please feel free to contact us at any time or post them here.
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Q:query regarding atlas america I have one question regarding atlas america plan. Plan brochure includes following exclusion clause 'Charges for use of emergency room within US for treatment of illness unless patient is directly admitted to the hospital as inpatient for further treatment of that illness ( does not apply to injuries)" Can you please explain this exclusion clause? Does it not cover emergency care at all? or just room charges? Also in comprehensve plan is there cap on every procedure like surgery, hospitalisation? Any input will be greatly appreciated. Thanks,

A:
If you buy Atlas America and you go to an emergency room, 1. If you have an accident, the eligible charges will be covered normally, just like any other charge. 2. If you have a sickness, and if you are admitted into the hospital, the eligible charges will be covered normally, just like any other charge. 3. However, if you have a sickness and if you are not admitted into the hospital, the eligible treatment charge would be covered but the room charge would not be. This is to avoid the abuse of the emergency room when there is no real emergency. You can read more about it at /what-is-visitors-insurance/ You can purchase Atlas America insurance online at /atlas-america-insurance/ If you have any other questions, please feel free to contact us at any time.
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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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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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