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The most suitable product would be the bridge plan. It is specifically designed for elderly new immigrants to the United States. Look at /bridge-plan/health-insurance/ Only other product that gives $70,000 policy maximum is Inbound USA, available at /safe-travels-elite-insurance/ However, this plan is fixed coverage plan and only pays a portion of the bill. More details about fixed coverage at /visitors-insurance/ I am sorry that, at that age, there is no much choice available. We, as a broker, work with most major companies in the US. However, most of the companies are not willing to insure that old person.

1. It will not cover everything after the deductible. It will cover according to the schedule of benefits listed at /visitors-care/visitor-medical-insurance/ And you pay the rest. 2. Read /fixed-coverage-visitors-insurance-ppo-network/ 3. That's right. 4. You can visit https://www.insubuy.com, make a detailed comparision and determine which one would work better for you. Some features may be more important to you than others. If you have any other specific questions, please feel free to post them here or contact us at any time.

Bala, If you would like to purchase $50,000, go for Patriot America. For $100,000, go for WorldMed. If you have any other questions, please feel free to post them here or contact us at any time.

1. Most likely, it would be considered as pre-existing condition in all products. 2. Yes, you have to buy "bridge" insurance. And we have such plan. Appropriately, the name of the product itself is "The Bridge Plan". Look for the product at /new-immigrants-health-insurance/ Such products will provide coverage for any new medical conditions, injuries or accidents that may occur after the effective date of the policy. It will not cover any pre-existing medical conditions. 3. Bridge plan does not cover outpatient prescription drugs. If you have any additional questions, please feel free to post them here or contact us at any time.

It is per policy period. Therefore, what you described in #2 would be applicable. Thank you for the prompt response. My parents will be here for 4 months. Since, you probably see some of the costs of treatment involved, I wanted to get your opinion on the coverage amount - $100,000 or $500,000? Also, would IMG be paying negotiated rates or "rack" rates? I am trying to understand how much hospitalization will cost with IMG negotiated rates. Thanks, Jasmeet While $100,000 is a decent amount, I have purchased $500,000 when my own relavites visited USA in past. $100,000 will cover most expenses, but I have seen some claims beyond that. Insurance company will pay network negotiated rates for the covered expenses. For non covered expenses, it will be between you and the provider. It is difficult to give any kind of estimate how much the hospitalization will cost per day. It drastically varies depending upon the circumstances, the treatment given, geographic location of the hospital etc. I have seen around $2,000 per day to even $40,000 in a day.

Yes, that is exactly why you should purchase Protection America. We have had customers who ran into that kind of situation and badly wanted to renew the policy. Visit /patriot-america-lite/medical-insurance/ and read the message you see in the dialog box. If renewal were not of any importance, the same company would not charge more money for the same kind of product. There would be no reason for such products to even exist. I have a couple of questions along the same lines. My parents(74 & 63 yrs) are visiting us next week for about 2.5 months. I'm also contemplating between Patriot and Protection America. 1. Are there any differences between them other than the renewability? 2. Say If buy the insurance from Patriot for 2.5 months and if for some reasons they have to extend their stay, can I then buy from Protection? I see from their brochure you could do it if you show the proof of prior insurance. I just wanted to confirm my understanding with you. 3. Do do you recommend any other insurance considering their age? Thanks. 1. Only other difference is that in Patriot America, you get 90/10 coinsurance by default, whlie in Protection America, you can choose 80/20 or 90/201 2. You could buy a new policy. But if get into any problem during previous 2.5 months, it would be considered as pre-existing condition when you buy new policy. And your deductible and coinsurance would be start all over again. 3. If you want to buy $50,000, these plans are the best. If you want to buy $100,000 comprehensive for your father, I would recommend, WorldMed, available at /worldmed-insurance/ Thanks for your immediate response. I have a question on this co-insurance. Is 80/20 or 90/10 applicable per policy period or per sickness? Per policy period. One more question. Since my father is over 70 and when I include both my father and mother in one application, the maximum coverage is limited to $50,000. I would like to get $100,000 for my mother and $50,000 for my father. Can I apply seperately(I think I can)? Is there any difference between applying together as opposed to applying seperately. Thanks. You make separate application for each person. Anyway, there is no difference in price.