Ask Our Specialists

Everyone that answers the phone call are licensed and experienced insurance agents in the U.S. Everything you are told by our rep is true. If she is eligible to buy the insurance from your employer, she has to get that. She can't buy the insurance plans listed on our web site under visitors or new immigrants section. Anyway, none of those plans cover maternity. Depending upon your state, there may be some domestic plans that may cover maternity. As she is on H4, depending upon the company, she may be eligible for some plans and not others. However, in any case, none of them will accept her if she is already pregnant. Even if she is not pregnant, no plan will cover maternity immediately. There is a waiting period of 6 months to 1 year before she conceives.

The reason for separate application for 70+ is that only $50,000 policy max is allowed for 70+, while you can buy anywhere from $50,000 to $1,000,000 for age below 70. Separate applications is absolutely no problem. In fact, even if you were able to do it together, we recommend that you do separately because you get more flexibility in terms of renewals, cancellation etc. Otherwise, they would be stuck together. Yes, you would have to pay $5 for each application renewal. Howver, that fee is waived if you renew for 1 month or more.

You are right. There is no way. All the problems that she has would be considered pre-existing conditions and not covered by any insurance plan from any company. Please read /new-immigrants-medical-insurance-plans/ to get the understanding of the healthcare situation for elderly new immigrants to the US. The plans she would be eligible to buy are listed at /new-immigrant-insurance/ All of the plans are listed there are meant to cover any completely new medical conditions, injuries or accidents that may occur after the effective date of the policy, no pre-existing conditions coverage. Unfortunately, there is no better solution available.

Please let me know theier ages and the duration of the insurance as well as the deductible you would like. It was nice talking to you. Based on our conversation, both of us agreed that you had entered a different criteria and therefore getting a different price and that one plan does not provide more coverage at less price. As I described to you over the phone, both the plans provide different policy maximum limits and provide different benefit amounts and therefore the costs are different. Other than, there is no other difference. You would see Inbound USA mentioned more because that plan has been in market for a longer duration.

The reason: Inbound USA plan has been around for around 8 years now. However, Immigrant Secure is very new plan and therefore not popular. Also, the plan name is confusing becuse the plan is not meant for immigrants to the USA but for visitors the USA. Confidential life insurance coverage on related person is not available.

1. Per year. Of course, if you buy the insurance for 3 months, it would be for once in that 3 months. If you renew the insurance for another 2 months, the deductible will not start over again. In that case, it would be become once for that entire 5 months. 2. The brochure is not just a marketing brochure. It has quite a lot of information in it. Anyway, you can look at the complete policy documents at /myaccount/PatriotAmerica0109.pdf and at /atlas-travel-insurance/ I hope that answers your questions. If you have any further questions, please feel free to post them here or contact us at any time. this would be very helpful. #2 - Apologies, if it caused any unintentional offense. Idea was not to downplay role of the brochure, they are very informative. Even if you don't call it a marketing brochure, marketing brochure are essentially for the same purpose...provide all relevant details without bogging down the user with avoidable details. Some times a quick ctr+f on the full policy clears a lot of doubts, hence I requested the same. Thanks a lot for the info. Thanks, Oh no, absolutely no problems and no offense at all. You have the right to know everything in advance about the insurance you are buying and we have the duty and obligation to provide all the information you ask for, as long as we have it. I know what exactly you are saying. I have seen the brochures of some Indian insurance companies and they are exactly that, marketing brochure. They lack critical details like over 55 years of age, they are only fixed coverage plans and not comprehensive coverage plans. We, as a broker, work for you and not for any particular insurance company. We have always been honest, transparent and upfront with all our customers. Therefore, we are glad to provide all the information we can and/or we have. Please feel free to ask us any other questions you may have.