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I suggest that you read /new-immigrants-medical-insurance-plans/ There is no insurance from any company that will cover pre-existing condition if they are already sick and would like to go to doctor.

That really depends upon what state you would be located in. Whether it is a group insurance or individual insurance, insurance companies look at whether they would benefit from getting your business or not. If giving insurance to your group is going to be overall profitable for them, they would give insurance. Otherwise, they wouldn't. In certain states, they can't reject groups but the premiums may be so high that you can't practically afford to pay the premiums. Is Texas one of the states where insurance providers can't decline group coverage? If not, what states are included in this...just for my knowledge. Thanks for answering this! From what I know, in Texas, group health insurance coverage can't be declined. And insurance company can charge as much as 67% extra premium compared to regular premium.

No, there is no such insurance product from any company anywhere to cover your maternity expenses if you are already pregnant. Are there any alternatives to have the delivery costs minimal ~Devi You will have to pay it yourself.

Yes, you can buy just for 6 days. Visit /schengen-visa-insurance/ and choose 'Atlas International'.

Yes, you can go month by month in Inbound USA. It is not automatic payment. You have to renew explicitly at My Account There is $5 renewal fee every time. Thanks. So we just need to access My Account to buy the renewal one at the same membership number and needn't to buy new one, right? When we get this renewal, do we need to change the Certificate card? I heard that there has the expired date in the card. By the way, Inbound USA plan meets all the requirements of J1 and J2 visa, does it? And do we share one common account/Membership Number? Yes, you just visit that web page to renew the insurance. Insurance card has the expiration date. Every time you renew, you will get a new insurance card but it will have the same ID number. J1/J2 insurance requirements say that you need at least $50,000/incident and Inbound USA has that. However, Inbound USA internal limitations for each benefit and J1/J2 regulation does not say anything explicit about that. Therefore, you decide. If you want to buy good J1/J2 plan that has no internal limitations, look at comprehensive plans at /j1-visa-health-insurance/ Do the comprehensive coverage plans have the renewal? Visit USA: No Patriot Exchange: Only if purchased minimum 3 months initially, you can renew month by month. So patriot exchange plan is the best for us, right? we will have a common membership number, right? 1. Yes. 2. Yes. I have purchase the Patriot Exchange plan for 3 months, would you please give me a website link of the renewal? because I haven't found it. Thanks! /international-medical-global-extension/

1. Deductible is the amount you have to pay first once before insurance company pays anything. You don't have to deductible now. Only when you get sick. 2. Sirius International. 3. That's right. After you pay the deductible, insurance company pays 90% for first $5,000, you pay 10% and after that, insurance company pays 100% up to policy maximum. I have a follow up question. So if I choose Patriot America with a deductible of $500, then I am looking at spending Deductible = $500 Co-insurance = $5000 * 0.10 = $500 Total = $1000 for a possible large medical expense, say a hospital stay that cost $25,000. Is that the way the coinsurance would work? Just checking if the co-insurance has to reach $5000 or $500 for stop-loss coverage. Thanks. You are right. You pay maximum $500 (Five Hundred) towards the coinsurance, which is 10% of $5,000 (Five Hundred). You are right. You pay maximum $500 (Five Hundred) towards the coinsurance, which is 10% of $5,000 (Five Hundred). Thanks for the quick response. I will probably be buying two policies (one for mom and one for Dad). They will be here for about 2 months and 25 days. I am almost certain they are not planning on extending their stay. I will still consider between playing it safe with Protection America or going with a little cheaper Patriot. Compare the prices for 3 months of Patriot and the price of 2 months 25 days Protection. Go for whichever comes out cheaper. I plan on purchasing Patriot America insurance for both my parents together, under the same application. Could you please confirm if the deductible is per applicant or per application? If I choose $500 as deductible, how much will the deductible be in the event that both my parents require medical assistance at the same time? Thanks in advance for your reply. Deductible is per person. Therefore, if both parents require assistance, you have to pay the deductible per person. Actually, I recommend that you put two persons in separate applications. You will not loose anything but will have more flexibility. Read relevant FAQ at /visitors-medical-insurance/ Hi i want to buy patriot insurance for my mom. just few questions..... 1) do i need to pay first and then claim? 2) do IMG send a detailed notification of coverage that they paid to hospitals and coinsurance i have to pay to the hospitals. 3) how they decide any preexisting illness? 4) do i need to call insurance company before going to the doctors or emergency room? 1. Read /international-medical-ppo-network/ 2. Yes. 3. Based on the medical records, treatment records and attending physician's statement. 4. No. For major things, read /international-medical-pre-certification/