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Ask Our Specialists

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

Q:International student medical insurance It is mandatory for international student to buy student medical insurance in the USA. <a href='/international-student-health-insurance-usa/'>/international-student-health-insurance-usa/</a> describes how the international student health insurance works in the USA and provides helpful tips.

A:
I am a student at Georgia Tech. For me it is compulsory to get Pierce and Pierce insurance (though I think it is costly). Now I need to decide about my wife's insurance. She is on F2 Visa. Which good insurance options are available for her? ------------- "M Better" in post If you would like to buy insurance only for F2, you can't buy anything from the student insurance category. You will have to purchase one from the tourist category, available online at /
{{currentOrigin}}/answers/f1-visa-insurance/international-student-medical-insuranceit-is-mandatory-for-international-student-to-buy-student-medi-78357/

Q:Health insurance for new immigrants to USA Many people who sponsor their relatives' green card for permanent residency in the USA are looking into various health insurance options that may possibly be available. It is particularly difficult to get health insurance for 65+ age.

A:
Sir, I have a friend who is from Korea and his father is of 65+ years of age and he is trying to migrate his father from Korea to the U.S, So he asked me about what document are required by him for his Dad insurance to get approved.oand would that be a permanent insurance for him or a temporary one. If he is able to get permanent insurance through Obamacare or PPACA compliant, he should get that. Otherwise, he can purchase new immigrant health insurance at /new-immigrant-insurance/ My husband came to USA on 03rd Oct H4 visa. My company wil start covering him only by 2020 july. I am not able to buy insurance for him since he dont have SSN. Can you suggest any insurance plans or company since we are going to file joint petition for Green Card . I am a Filipino national Please look at /atlasamerica-insurance/ or at /patriot-america-plus-insurance/ Can i ask you, if this insurance is accepted for filing Green Card application?? You can purchase /patriot-america-plus-insurance/ which would be acceptable for immigrant visa application.
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Q:Visitors medical insurance from USA vs India Many people whose relatives are visiting USA are considering purchasing visitors medical insurance either from India or USA. Even though we have had the same information in many different discussion threads and articles on this web site and on our web site for many years, we have reconciled all the information in one easy to read article. You can read the detailed comparison at <a href='/visitors-insurance-usa-india-comparison/'>/visitors-insurance-usa-india-comparison/</a>

A:
I'm going to write this here for everyone to read, PLEASE READ VERY CAREFULLY, THIS IS BASED ON ACTUAL EXPERIENCE. If you're wondering whether to buy a Fixed Insurance or Comprehensive Insurance plan, consider this; While Fixed Insurance plans are cheaper upfront, there is a reason, and the reason is that they provide practically no coverage in the US. WHY you ask? Simplest answer is that Fixed Insurance plans do NOT have any PPO networks. A PPO network is Preferred Provider Organization, it basically means that any doctor or hospitals who are part of that network have a PRE-NEGOTIATED RATE defined and CANNOT charge more that that rate. WITHOUT A PPO NETWORK, DOCTORS AND HOSPITALS CAN CHARGE ANYTHING THEY LIKE, so a Doctors visit for a Stomach Ache or Ear Infection can cost you $500 and a Broken Arm can cost you $10,000 when you visit a doctor or hospital who is NOT in the PPO network. Fixed coverage plans do NOT have PPO network and only pay minimal amounts ($60 for a doctor visit), it the lack of a PPO network which is the reason why the plan is useless. Spend you money wisely and purchase a Comprehensive plan, there are many good one there, Atlas, Patriot etc. Compare them and make a decision, but remember WHEN BUYING INSURANCE FOR THE USA ALWAYS BUY A PLAN WITH A PPO NETWORK. Otherwise you'll be paying for it for the rest of your life :) NOTE: I'm a consumer who got stung very badly with a Fixed Coverage plan and these are my experiences. I'm not promoting any product or service, just providing my feedback to help folks. I love Insubuy because they are VERY helpful and have GREAT SUPPORT and ARTICLES explaining these issues but I was short sighted to save a few $ and am now paying the price for it.
{{currentOrigin}}/answers/visitors-insurance-usa/visitors-medical-insurance-from-usa-vs-indiamany-people-whose-relatives-are-visiting-usa-are-conside-70338/

Q:Insurence Change I am on h4. My hubby employer provides insurance thru Cigna. Employer will provide cigna to family. Now I am in 5 month of my pregnancy. If my hubby changes his employer how to manage insurance. can you through some light in this situation.

A:
Before he joins new employer, you have to make sure that your pregnancy will be covered by the new employer's group health insurance. There is no individual health insurance in market that will cover you if you are already pregnant. Therefore, that is not an option.
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Q:Need Schengen Visa Insurance Hello sir/madam, I am looking for schengen visa. I want to visit to italy and France. Presently I am Indian citizen and studying in Canada. My study permit is valid upto 31 march 2008, also having USA visitor visa that is valid upto 7 oct 2007.i searched through your site and read all the information, but i don’t know much about medical insurance. Is it compulsory? How to apply for visa by mail or personally at visa consulate (at Ottawa)? Regards

A:
Yes, it is compulsory. Visit /schengen-visa-insurance/ to purchase it online.
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Q:Visitor care from IMG - Is it enough? My mother is coming from INDIA to US to staty with us for 5months. She does not have any health issues. She is 48now. Can I go for FIXED or COMPREHENSIVE insurance of 50K? Any suggestions? TIA, SNB

A:
Any fixed coverage plan is never enough. Otherwise, there would be no reason for the same companies to offer you comprehensive coverage plans and charge you more money as no one would buy. It does not matter whether the person is healthy or not. If not healthy, insurance company does not pay for pre-existing conditions anyway. Probability of someone getting into completely new medical condition is the same for everyone at a given age. When that new condition occurs, how much you are covered is what is the difference between fixed and comprehensive coverage plans. Therefore, I recommend everyone to buy only comprehensive coverage plans, available at https://www.insubuy.com Thx for your reply.. I will go with 50K COMP with 2500$deductible.
{{currentOrigin}}/answers/visitors-insurance/visitor-care-from-img-is-it-enoughmy-mother-is-coming-from-india-to-us-to-staty-with-us-for-5months-95770/

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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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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