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I advise paying off the bills to avoid future trouble. I-134 means general sponsorship and does not mean it needs to list every single type of expense that the visitor may incur. For next visit, I would also advise you to purchase comprehensive coverage plan from US company so that you can get covered completely. Most plans in India are fixed coverage plans above age 55 and that is why they are paying little. Read about different types of insurance plans at visitors insurance types I do appreciate your response. On this forum, people have come across this situation, but no one has added any aftermath about issues from collection or so. Are you aware of such cases where collection got after the sponserer based on I-134. I do keep getting bills from different medical groups, as they contract for the hospital, and am not sure when will that stop. What is the practical way out based on your experience. Hospital, and docs too want to make profit out of money, so how to get down to reasonable level. The bills from these small groups is trickling around 2 -3 K but there are multiple such groups gettign total amount high. So, each group feels the amount too small to not to offer any disccount. Regards. There is no magical way to solve this. You will have to work it out with the hospitals and doctors and do whatever best you can do. Unfortunately, all the information I have is what is posted by people like you. People post questions and look for suggestions because they need help. However, once they figure it out, they don't care any more because they are all set and most don't bother to report back. Therefore, you don't get the complete picture just by reading the forums. I can tell you that providers are continuously finding new ways to get their money no matter what. I will narrate my recent experience. I have a health insurance (Aetna PPO) through my employer that does not having pre-existing conditions clause or anything like that, just like most working people have here in the US. I went to the doctor yesterday for my illness. I was a new patient and I was asked to fill the new patient form. It asked for the social security number. I left it blank intentionally. The receptionist asked to fill indicating that it is a required information. I argued that social security number is for my retirement purposes and it has nothing to do with my Dr. visit. She replied that if I don't want to provide SSN, I will have to pay all the money upfront and file claim with the insurance company. She argued that if the insurance company does not pay and if the patient does not pay, they have to send to the collection agencies. I had no choice other than to put my social security number. Otherwise, I would have to run around taking the Dr. appts and the next Dr. may do the same, who knows. I have myself experienced this several times from different providers. Now, let's come back to the visitors insurance. Visitors don't have social security number. In this case, that same provider I visited would either ask for the relative's social security number (that is, your SSN if you took your mother's to the Dr) or ask you to pay everything upfront, even though you might have PPO insurance and they would otherwise bill the insurance company directly. There is nothing you can do in such scenarios. You simply don't have better choice. Have you had any updates on the situation of your parents pending medical bills? Did you finally have to pay? Would really like to understand how you resolved it finally?

You can't include your mother as a dependent in your health insurance. There is no way around that. In USA, your dependents are your legally married spouse and your children under the age of 18. There are some relaxations up to age 23, depending upon the state, if the children are full time students. But there is no way parents can be considered your dependents for insurance purposes. When you are on your won, choosing an individual or family health insurance plan takes on a whole new level of importance. Whether you are self-employed, between jobs, or have taken early retirement or simply do not have access to employer-sponsored health insurance for any other reason, the importance of securing reliable protection from high health care expenses cannot be overstated. When you are on your won, choosing an individual or family health insurance plan takes on a whole new level of importance. Whether you are self-employed, between jobs, or have taken early retirement or simply do not have access to employer-sponsored health insurance for any other reason, the importance of securing reliable protection from high health care expenses cannot be overstated. :( :( :( :(

CAREINGTON is an excellent dental plan for visitors. It costs only $11.95/month and there is one time application fee of $20. It works out really great. You must visit a dentist in the network only, available at /dental-vision-plan/provider-network/ For every procedure that the dentist does, you pay a certain amount of copay and rest is paid by CAREINGTON. No claim forms to file. The copay depends upon the procedure you do and the state in which you are located. Look at /dental-vision-plan/dental-schedule/ e.g., in Virginia, adult teeth cleaning copay is $25.00 That is all you pay for cleaning. You can make instant purchase online at /individual-family-dental-plans/ If you have any other questions, please feel free to post it here or contact us at any time. you get a lot of products for teeth cleaning in the stores. like Crest whitestrips. you do not need to go to a dentist for teeth cleaning. for any other procedures - root canal, extraction nowadays people fly to Phoenix and cross over the mexian border and have the procedures done. Does this mean; I visit the network dentist. I show him the careington enrolment card. They just charge the copay and rest they bill to careington? But the careington website says there are no direct payments to the dentist. Please clarify where I am wrong. CAREINGTON is an excellent dental plan for visitors. It costs only $11.95/month and there is one time application fee of $20. It works out really great. You must visit a dentist in the network only, available at /dental-vision-plan/provider-network/ For every procedure that the dentist does, you pay a certain amount of copay and rest is paid by CAREINGTON. No claim forms to file. The copay depends upon the procedure you do and the state in which you are located. Look at /dental-vision-plan/dental-schedule/ e.g., in Virginia, adult teeth cleaning copay is $25.00 That is all you pay for cleaning. You can make instant purchase online at /individual-family-dental-plans/ If you have any other questions, please feel free to post it here or contact us at any time. You just have to pay co-pay. You don't have to worry about rest of the money. Nobody will ask you for rest of the money. It is a deal between the dentist and CAREINGTON. CAREINGTON pays a set amount of money every month to those dentists irrespective of the number of patients. They don't pay any money to dentist just because you went to that dentist. That is why there are no claim forms and that is why CAREINGTON mentions like that. I hope that clarifies. you do not need to go to a dentist for teeth cleaning. for any other procedures root canal, extraction nowadays people fly to Phoenix and cross over the mexian border and have the procedures done. Reply With Quote

You have mentioned 2 types of insurance in your post. Therefore, first of all, let me clarify it. Life insurance: It is for the person's life. Generally speaking, if the person dies, his/her beneficiary gets the death benefit. Health insurance: It is for any medical problem. Like getting sick, getting injury or accident. Having said that, if you want life insurance, you don't have much choice as you are on H1. Prudential is a very good company that offers life insurance for H1 holders. There is no plan from any insurance company anywhere that is going to cover pregnancy related expenses if she is already pregnant. Your options are * Ask your wife to deliver the baby in India and then come to US * Check with your employer whether they will enroll her in the group insurance if she is already pregnant and cover the pregnancy * Pay for all pregnancy related expenses yourself

Protection America provides coverage up to policy maximum for both sicknesses and injuries. WorldMed Lite provides coverage only up to $5,000 for sicknesses and up to the policy maximum for accidents only. That means, WorldMed Lite is primarily an accident plan. Comprehensive is best type of coverage. And among them, Protection America is the best one.

You may be able to add her to your employer's policy after you get married to her. Even after marriage, your employer might have some waiting period before they can cover her. Check with them. Until then, you have to purchase short term insurance for her. You can purchase Protection America, available for instant purchase at /fiance-visa-medical-insurance/ (It says Fiance on that page. But it is same situation for girlfriend as well.)