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Hello, We had a phone call conversation about this around an half an hour back. As I described to you, I currently have no access to any of the claims data than what you described to me over the phone. From what you described, your brother had Hepatitis A just few days after coming to the US. I recommend that you read https://en.wikipedia.org/wiki/Hepatitis_A It describes that Hepatitis A is caused by contaminated foor or water in developing countries like India and something not that common in the US. It seems that your brother had got infected in India itself and the symptoms got developed right after coming to the US. Therefore, it would still be considered as pre-existing conditions. It is not just the conditions that were previously already known but the ones that existed are pre-existing conditions. e.g., 1. if you come to the US and 2 days later, you realize that you had malaria. It might very well be pre-existing condition as malaria is not common in USA but in India. You had been infected with mosquito bite in India just before coming to the US. 2. One week after coming to the US, you discover that you had diabetes (many people go to free check ups held at temples, for example). Diabetes didn't happen in one week, you just discovered about it. 3. You got infected with HIV 4 years ago, but AIDS symptoms just start showing after 2 weeks after coming to the US. It is still pre-existing conditions. As you can see, depending upon the disease, the symptoms appreance duration may vary. As we discussed over the phone, if your doctor is able to write any letters or provide any other kind of evidence otherwise, I can help you use that as the appeal after your father gives me the authorization to discuss with the claims department of the insurance company. I will ensure that I will help you with to the best of my abilities. Meanwhile, if you have any questions, please feel free to contact us at any time or post here. I had posted the thread before I talked with you and will follow your advice. I will send you the authorization letter from my father and other letters soon. I will sincerely appreciate any help you can provide in this regard. I have been really tensed ever since the whole issue has started and despite buying all the insurances, I am facing this trouble. Thanks Pragya You are welcome. I am glad to help in any way I can.

1. Look at /visitor-insurance/ Next to each plan, there is a link 'Provider Directory'. You were already looking at the right place. 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. 2. Even though many people buy 50k because that is the cheapest available, I recommend 100k. Many times, the expenses go beyond 50k easily when something serious happens. You may want to choose higher deductible like $1000 to reduce your premiums. 3. Prior medical records and a letter from the current treating doctor would be of help to file an appeal. Please feel free to contact us at any time if you have any other questions. Thank you very much for the quick and helpful response. I have one more question: What is meant by indemnity? In the Patriot America plan, an indemnity payment of $100 is included for stay overnight in a hospital. How is this different from room/ board? Thanks again Atul Indemnity is in addition to the room/board cost. It pays $100/each night for other pocket expenses like food, taxi, phone, misc etc. However, please note that this daily indemnity applies only outside US/Canada. Could anyone suggest a suitable insurance for my visiting parents. They have no pre existing conditions and will be here for 6 months. They are aged around 64 and 61. Earlier we were planning on getting an insurace from India (Oriental or New India) but was advised not to. I ha been hunting around for and the more I look I am more confused. I have looked at the AIG insurance from kvrao.org, certain insurances from this site. I am looking for a $100,000 coverage with $250 deductabile. Please advise which one to go with and are more reliable know for their services. While you look at any insurance plan, first make sure whether it is a fixed coverage plan or the comprehensive coverage plan. You can read more about it at /visitors-insurance/ Some people claim it is a comprehensive coverage plan, when it is a fixed coverage plan in reality. In that case, look (or ask them) whether there are any sub-limits in the coverage. If so, it is a fixed coverage plan. Look carefully at all the details. We always recommend everyone to buy comprehensive coverage plans only and never the fixed coverage plans. Particularly, look at Patriot America plan at /patriot-america-lite-insurance/ It is comprehensive coverage plan with reasonable cost, excellent PPO (First Health) and good service. How does the fixed cverage plan in USA compare with the insurance in India like the Oriental insurance or New India Insurancee? I suggest that you read the article /visitors-insurance-usa-india-comparison/ It describes in very detail the difference between buying from US and India. After reading that, if you have any specific question, please feel free to post here. Between "visitors Care" and "Inbound USA" which one do you recommend based on your experience and knowledge. Both are excellent and very popular plans. However, there are few differences: * Visitors Care participates in First Health PPO network while Inbound USA doesn't have any PPO. * Deductible is once per period of coverage in Visitors Care while it is per incident in Inbound USA. * The policy maximum is life time in Visitors Care while it is per incident in Inbound USA. Therefore, I suggest that you visit https://www.insubuy.com and compare them side by side in detail and pick one according to which feature difference is more important to you. If you have any other questions, please feel free to contact us at any time.

Yes, you can buy Patriot America. That is a good plan. You can buy it online at /patriot-america-lite-insurance/ If you have any further questions, please feel free to post them here or contact us at any time.

Unfortunately, there is no such plan available.

Unfortunately, we don't have any short term plans that would cover maternity.

Please look at Protection America plan at /patriot-america-lite-insurance/ Protection America participates in First Health PPO network. It is a very large network across the country. Please read /international-medical-ppo-network/ to understand how exactly the procedure for using it will work. You can also read /patriot-america-lite/health-insurance/ to understand how the plan works in general. If you have any other questions, please feel free to post them here or contact us at any time.