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If you look at the very old posts at https://www.immihelp.com/visitors-insurance-reviews/ https://www.immihelp.com/forum/ you will see details about them. (When you see any comments about CORIS as well, that is them.) I don't see any comments any more about them. I guess so because not many people consider buying from them any more, when much better options are available right here in the US. I checked your website and searched for 100,000 coverage plan and I am getting inclined to this Visitor's Insurance plan for 100,000. I don't clearly understand this by reading the benefits (/visitors-care/plan/). What is 75% or URC? For medicines it gives us $250/period of coverage. That means how much will be my co-pay? Medicines is US is very costly and if it's not subsidized by the insurance company then I can only get one or 2 prescriptions drugs in this much amount. If I go to my pharmacist I pay co-pay for medicines only and sometimes that's also $40 depending on the drug and sometimes it's just $5 copay for some generics. 5,500/surgical session and I know if it's negotiated by the insurance company it's cheaper otherwise they charge a lot to an individual. Could you please clarify this? Thanks a lot for helping us here! There are two types of insurance plans: Fixed: Cheaper, limited coverage Comprehensive: More expensive, better coverage More information at /visitors-insurance/ Visitors Care is a fixed coverage plan. If you take $100,000 coverage, it will pay $85 for Dr. visit, $550 for emergency visit, $5,500 for surgery and so on. You will have to pay the difference out of your pocket. There is no concept of co-pay in visitors insurance (or any short term health insurance). When you go to the providers in the network, they will charge network negotiated fee and that would be applicable for medical benefits such as surgery, dr visit etc. However, for pharmacy, there is no network and therefore no network negotiated fees. I completely understand that $250 is a low amount for rx drugs. That is exactly why we have plans in the comprehensive category that cost more and provide better coverage. I hope that answers your questions. If you have any further questions, please feel free to contact us at any time.

As per our discussion over the phone, that is not recommended. Visitors insurance plans are considered secondary to any other applicable plan that you may have. If you have two plans, both the companies may tell you to claim from the other one first, and finally they may settle down for the coordination of benefits where both the companies agree to pay the portion of the claim. When filing the claim with one company, you will have to provide the original paperwork to that company. If that company rejects the claim, you can't really provide the original paperwork to the other company again. Therefore, in my opinion, it would cause more problems than solve any.

1. Atlas America participates in Hygeia as well as First Health PPO networks. Therefore, as long as the provider recognizes either of them, you are fine. Both the logos would be printed on the id card. If they still don't accept it, you can first pay and file for reimbursement. After the deductible, it will pay 80% for first $5,000 and then 100% up to policy maximum. 2. Yes, Patriot Platinum America, at /patriot-america-platinum-insurance/ Thanks for the reply but I was wondering how can Hygeia network have names of the providers when providers do not recognize them. Isn't it wrong on Atlas America/Hygeia Network's part to have doctors listed who they don't have any agreement with. I was wondering what are your thoughts on my above question. Atlas America participates in Hygeia as well as First Health PPO networks. Therefore, as long as the provider recognizes either of them, you are fine. Both the logos would be printed on the id card. I hope that answers your questions.

It is definitely better to buy the insurance from U.S. Please read /visitors-insurance-usa-india-comparison/ to understand the difference between buying from US vs India. Unfortunately, there is no plan available in the market that would cover her physiotherapy session as it would be considered as pre-exisiting conditions. All the plans are designed to cover any new medical conditions. Even though there are some plans available that may cover up to some small extent in some very limited and unforeseen circumstances, it would not cover your father's condition as it is already known in advance that you need it. You can read more at /visitor-medical-insurance-pre-existing-conditions/ There are two types of insurance plans: Fixed: Limited, cheaper Comprehensive: Better, more expensive More details at /visitors-insurance/ If you would like to buy fixed coverage plan, look at Visitors Care, at /visitors-care-insurance/ If you would like to comprehensive, the choices are based on whether you would like $50,000 or $100,000 coverage. For $50,000, look at Patriot America at /patriot-america-lite-insurance/ For $100,000, look at Patriot Platinum America at /patriot-america-platinum-insurance/ We always recommend everyone to buy comprehensive coverage plan. You will get all the details about each plan in the links above, you can also compare them side by side at https://www.insubuy.com and make instant purchase online. If you have any further questions, please feel free to contact us at any time.

It would be best if you can call us so that we can go over the options for you quickly and help you select the most suitable plan for you.

I completely understand you specifically asked that I should not respond to this. (By the way, I don't write anything inaccurate, anyway). However, as no one has responded in a couple of days, let me clarify something. Unlike other web sites such as immigration etc. where people routinely hang out because their greeen card processing takes many years and they are constantly looking for useful information, for example, most people come to this web site when they are looking for information to buy the insurance, or they bought some insurance (either the ones we sell or the ones we don't) and had some negative experience and want to write about it or looking for some help. It is not normal for many people to routinely hang out on this discussion forum. Most people look for information, buy something and go away. And most of those people either don't end up filing the claim or don't experience any problem. As a consumer, I myself would not hang out on Aetna's or Blue Cross Blue Shield's web sites and post positive experiences every time some one in my family happened to go to the doctor. That is because most consumers simply don't care. That is a fact of the life. I hope you understand what I am trying to explain. And I really hope that more and more people provide their feedback as that is the only way even for us to know about various plans and various companies experiences. Unfortunately, the positive ones are rarely posted.