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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I need to follow the all requirements. I am 26 and have lived U.S for 2 year and half. I'm from South Korea. Thank you. In order to waive the Penn State Student Health Insurance plan (SHIP). Your current health insurance coverage must meet these requirements. 1. U.S. carrier or entity is approved to do business in the U.S. and compliant with all guidelines of the Patient Protection and Affordable Care Act (PPACA) 2. Carrier has a filed and approved health insurance policy with the Commonwealth of Pennsylvania Department of Insurance or has a sponsored insurance plan that meets the waiver standards and is approved by the Student Health Insurance Office, together with a letter of financial guarantee directly from the plan sponsor 3. Coverage for 100% of preventive and contraceptive care (preventive examinations, immunizations and screening tests, as required by the PPACA and the Commonwealth of Pennsylvania for student health insurance plans) 4. Coverage for pre-existing conditions with no waiting period 5. Deductible no greater than $500; 6. Coverage for all essential benefits for accident and sickness, including prescription drug coverage, without limitation 7. Maternity Benefits (or Pregnancy) covered as any other illness or injury; 8. Inpatient and outpatient mental health/substance abuse as any other condition 9. No exclusions for injury or illness as a result of alcohol, drugs or attempted suicide 10. Worldwide coverage 11. $3,000 In-Network out-of-pocket maximum 12. $15,000/$30,000 Out-of-Network out-of-pocket maximum 13. OR U.S. employer-sponsored health insurance in place of standards 1-12; 14. And Medical evacuation ($100,000/Repatriation ($50,000) minimum limits. Please Note: new waiver requirements for 2017-18 require all plans to be filed with the Pennsylvania Department of Insurance, or be approved by the Penn State Student Health Insurance Office and accompanied by a letter of financial guarantee for services not covered from the plan sponsor. This will eliminate short-term International Standards Organization (ISO) plans. In addition, Penn State students will no longer be eligible to purchase health insurance plans through Student Medicover, as part of a new agreement with United Healthcare Student Resources.
Q:I'm looking for the cheapest medical insurance for my parents that would be in the US for 5 months on J1 and J2 visa. The university requirements are: Medical Benefits: $100,000 pre illness/incident Medical Evacuation: $50,000 Repatriation of Remains: $25,000 Deductible per accident or illness: $500 I tried the Atlas Essential America insurance plan but looks like they're not eligible for Atlas. (They are both Iranian citizens). I was wondering if you can give me a quote with the mentioned requirements that my parents would be eligible for.
Q:I recently purchased insurance for my in-laws for 5 months , they stayed only for 10 days and they went back due to personal emergency . Now I am planning to bring my parents to America and want to get insurance . I am wondering if you can help me in getting any adjustment with my parents insurance ? Cancel the other insurance and get a new one for my parents ?
Q:I want to obtain visitors insurance for 3 people - my mom, dad and sisters. Your website allows me to quote only 2 people. Can you please help. I am interested in the Fixed visitor's care by Sirius International.
Q:Hi, I am an international graduate student at Penn State and I was looking at health insurance providers that can fulfill the waiver requirements. I did find a quote for a reasonable price on your website, but I'm not sure if the plan meets all the waiver requirements. Do your plans meet the current year requirements and can be accepted through by the university? Also, regarding the plans, what are the most suitable ones? I will be willing to receive a quote if it works out. For your reference, I am attaching a link of the page containing the waiver criteria. Please let me know if you can fulfill those: https://studentaffairs.psu.edu/requirements-international-students
Q:After reading about Finland and Iceland, I decided along with my family to go on Holiday for 2020 using the Easter period. From your organization, i will need family invitation letter. How possible can this be for Iceland?
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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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Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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