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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Patriot America insurance questions I got your contact from your site. Not sure whether you entertain direct emails or not. Anyway wanted to contact you directly with couple of queries: I have almost made my mind to buy Patriot America for my mother who is going to visit me for 2 months starting from August 8th. I need the following clarifications: 1. In the brochure, under claim processing, it appears as if for every claim, the insured will have to pay the full amount and then file the claim with the insurance company for settlement. If we are obtaining the services from PPO, will the provider not directly bill the insurance company and then bill the insured if there is anything extra which is not covered. May be I am reading it wrong, but I need a confirmation before I buy. 2. In the brochure, it does not mention specifically how prescriptions are covered. Can you please clarify? 3. For ER visit, which does not end up with hospitalization, there is an additional deductible of $250. Does this mean if my policy deductible is $250, I will have to pay first $500, before insurance start paying? Is this correct? I would really appreciate your feedback on the queries and on the this policy (Patriot America) in general.
Q:Protection America questions Before I buy, I would like to get answers to the following questions: 1 - If I need to visit a general physician, how will the payment be made? Do I need to make the payment upfront and then get reimbursed from Protection America insurance or do pay nothing upfront and the company will send me a bill which would be 20% of total (after 250 deductible)? 2 - If I need to visit a specialist, how will the payment be made? Are the costs and coverage any different from that of regular physician or does 80/20 rule still apply? 3 - What about emergency/urgent care? 4 - Can I get access to provider's directory? 5 - Is this covered anywhere within the US? 6 - Can I go to any doctor or does it have to be the one in your provider directory? 7 - Can I go to any hospital or does it have to be the one in your provider directory? 8 - What would be considered in-network and what would be out-of-network? Are costs different for out-of-network? If so, how does it work? Say, I spend $100 out-of-network, is it still $80 paid from you and $20 from my pocket?
Q:Validity of visa for new immigrants medical insurance I am researching on the insurance availability incase if my relatives immigrate to the USA. If a person overstays due to unavoidable conditions, will the health insurance be honored even during the overstay period? Will the hospitals check the validity of the visa duration? Appreciate your answers to these questions. Thank you
Q:Visa letter in Italian for Schengen travel insurance We have a client that is traveling to Italy for about 10 months and is in the process of applying for the Patriot Plan for $1mil of coverage and the Leisure sports rider. The Italian Consulate needs her to send proof that she will have medical insurance while she travels overseas. I am assuming she can send the policy that she will receive to them and that should suffice, but she wants to know if you guys can also send the policies in Italian? Let me know.
Q:Mountain climbing travel medical insurance Hello, I am an American traveling to Tanzania and need to acquire traveler insurance before I leave. The main reason is because I am scheduled to hike Mt. Kilimanjaro with a guided group. Your extreme sports rider only covers mountaineering up to 4500 meters, and Kilimanjaro stands at 5000 meters but I have heard from other people that because Kilimanjaro is actually more of trekking (at no point are ropes or climbing involved), you are sometimes willing to waive that limit for a fee. Please let me know if this is true, as I need to get my insurance before I leave for Tanzania on July 23. Look forward to hearing from you,
Q:Need visa insurance letter for Greece i want to go greece and thats way i need schengen visa.my stay in greece for one week.my country is bangladesh.tel me how can i get insurace from to you or my country do u have any agent?and cost how much?also policy how much dollar. thanking you
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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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