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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q: Hello, I have a question about medical insurance. I have a green card and my employer doesn't provide me with coverage. I heard about UsnetCare. It offers plans for those who have no US citizenship. Does anybody know how good and efficient it is???Or maybe somebody knows some other options???Anyway, I would be most thankful if somebody responded to my letter.
Q:IMG or Patriot America I am looking to take health insurance for my parents. After comparing numbers, I had planned to take Patriot America but want to have a quick suggestion. Do you suggest a 100,000 IMG Visitors care or a 50,000 Patriot America with an higher deductible (1000 or 2500), that way the premiums are comparable. I mean you can take care of a doctors visit or miscellaneous needs which is not a big problem (upto couple of thousands), the only big thing is if you need to be hospitalized Also I would like to take for 3 months and renew it depending on how long they want to stay here. I just want to make sure that the deductibles do not start again if I renew Thanks, Praveen
Q:Patriot America - What does "precertification requirement" mean? Hi, I just bought Patriot America visitor insurance for my 62 year old mom. The ID card says - "This coverage contains precertification requirements. Possesing this card does not guarentee coverage". What does this mean? Do I have to get some precertification to be eligible for coverage? Or does that mean I have to apply for precertification before getting any medical care/help in which case what should I do in case of emergencies? Somebody please explain Thanks in advance.
Q:getting protection america after 1 month of arrival I had taken WorldMed Lite about 6 weeks ago for my dad, it is still valid for another 10 weeks. Since the coverage for sickness is not good with worldmed lite, i want to take protection america now for 50K coverage . Digressing actually it will help if you could add a note somewhere that even if we go via the worldmed link (for nonlite, we will be taken to a common site for all plans of worldmed including lite) Coming back, since it has been more than a month, protection america mentions that it needs insurance proof for the first 6 weeks, will Worldmed lite be good enough proof How do i provide this to protection america can i still do it online (scanned copy or u could help me here pls) Btw, another question assuming i can get protection america if i use worldmed lite in the next 6 weeks & later have to do a second visit with protection america will that be considered preexisting in protection america, even though this is during the overlap period where we would have both plans active. Only reason i want to use worldmed during the overlap period is because the deductable will be lower in that. thanks
Q:Protection America vs. Liaison I compared the plans and looks like there are pros and cons on both sides - but both seem to be ok in general. If you have used either of these and have good or bad experiences with 'em, can you please post your experiences?
Q:Changing Insurance provider I currently have purchase Protection America for my Mom and World med lite for my Dad & also have the careington dental coverage as per ur earlier suggestion. Here are my questions 1 a i bought Protection America (approx April 12th 2007), based on your suggestion last year for my inlaws. But looks like this year we have a cheaper plan with similar benefits in Patriot America. And reading ur posts & looking thru the brochure, the only difference seems to be the minimum time i need to purchase the insurace of 3 months for me to renew in latter. Didnt find any other differences, is that correct b Given the above is true, now can i cancel Protection America and get patriot america for 100K coverage Both seem to have IMG, can i simply switch by calling u or need to go thru the process of cancelling Protection and then getting Patriot online Pls let me know the procedure. c Any extra fees i got to pay here 2 a For my Dad i got World med (70+) on the same date, but i was in a hurry and didnt look carefully and got WorldMed lite since for 70+ age the max was anyways 100K in all plans. Now after i read it carefully it says the sickness max is 5000$ and Accident max is 100K. Now it is tricky to figure out what does 'sickness' cover could you please clarify thiis. For some emergencies sicknesses god forbid, will that still be in Accident, but simple coldcough skin allergies etc are under sickness How do we know what is sickness accident. b I am not able to decide if i should continue with Lite or shld get the Plan B instead. Pls give your input and also based on ur answer above, it will help me decide. c If i switch to plan B here from lite what would be the steps and catches Again any extra cancellation upgrade fees here Thank 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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