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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:We are approaching the time to purchase medicare health insurance. Should we signup for ACA health care while waiting for the fall window for Medicare or use Cobra for short term? Or is there an alternative short ACA compliant term health insurance we should consider?

A:
Short term health insurance plans are NOT ACA compliant. They are generally meant to cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy.
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Q:Is the premium shown for the entire policy or is it per person?

A:
For the entire policy. You can click on the button that says view more to see the breakdown per age group.
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Q:I want to extend my Visit USA policy until 30 May 2020. Want to know the quote for this and also quote if its till May 15.

A:
Unfortunately, the Visit USA plan is not an extendable plan, so there Is not an option to extend the policy however you can repurchase the plan.
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Q:My parents visited USA on 12th Feb and I want to purchase insurance plan for them starting 8th April till 27th July. I want to know if "Safe travel for visitors to the USA" covers COVID-19 cases.

A:
The Safe Travels for Visitor to the USA plan will not exclude coverage for COVID-19 provided it manifests after the effective date of the policy.
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Q:My son is a student in Pennsylvania and is moving to California as he is shifting schools. Since he will be losing coverage can you suggest any insurance plans for him in California from June to August.

A:
You can run quotes for our F1 visa section of the website. If during the summer, they do not have any school requirements to meet, they can choose from any of the available plans.
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Q:I am interested in your insurance product for Medicare bridge insurance. Please answer a few questions: 1. Can the policy be renewed after one year for 3 additional months in state of Wisconsin? I understand states have different rules per your website. I need a policy for 15 months. 2. I understand once deductible is met, 100% is covered except pre-existing conditions. I have a pre-existing condition. So if something really went wrong (doubtful with this condition) and I needed hospitalization it would not be covered? I take meds and get checked periodically. 3. Policy covers both inpatient and outpatient correct? If deductible is met then annual physical exam with labs or urgent care visit would be covered? 4. How do I know what the savings are for negotiated fees or discounts if one stays within network? 5. I need insurance, effective 7/1/20. When should application be made and is done on paper app (on website) or is there electronic version?

A:
Please see the answers below: 1.After your 364 days of coverage you can repurchase this plan up to 5 years provided you are eligible for the plan. 2.That is correct. The plan will not cover anything related to the pre-existing conditions. 3.The Bridge plan will not cover the cost of preventative care. 4.The network negotiated rates are not given out they are already established between the insurance company and the providers. 5. Unfortunately, there is not an electronic application as the plan is underwritten.
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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.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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