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Ask Our Specialists
All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I'm an international student at Florida International University in Miami and I'm seeking for a new insurance plan. My university asks for the insurance company (you) to fill the form that I'll be attaching and send it to them at insurance@fiu.edu for them to see if your plan meets the requirements. Before all of that, can you please check the form and tell me if you really meet all the requirements? I'm interested in Preferred 300 or Preferred 500.
Q:Hi, i'm an international student at University of Texas at El Paso, and I'd like to buy insurance from you. Would you advise me which of your plans meet those. Thank you If you meet the criteria above and plan to submit evidence of your alternative health insurance plan, coverage must meet all the following minimum requirements: - Provides the Essential Minimum Benefits required by the PPACA with no annual limits. - Contains no exclusions for pre-existing conditions. - Covers 100% of Preventive Care as defined by the PPACA. - Imposes a deductible that does not exceed $500 per year. - Imposes no provisions for co-insurance that exceed 25% of the covered benefits per accident or illness. - Is underwritten by an insurance carrier that meets the requirement of 22 CFR 62.14(d)(1) or offered or underwritten by a federally qualified HMO or competitive Medical Plan as determined by the US Department of Health and Human Services - Proof of Repatriation expenses in the amount of no less than $25,000. - Proof of expenses associated with the medical evacuation of the insured to the insured's home country of no less than $50,000. - Dates of coverage must meet or exceed the semester dates.
Q:I am an international student studying in University of Michigan. I requested them if I could go with my own health insurance rather using one they provide me as its expensive. They mentioned, I could only if the plan meets this requirements. Please let me know, if you have any plans to fulfill this requirements: In order for a waiver to be approved, your health insurance must, at minimum, meet the waiver standards listed below: There must be a U.S. phone number for the insurance claims agent. The plan must be in full compliance with applicable federal law (specifically Title IX of Education Amendments of 1972, as amended by the Civil Rights Restoration Act of 1987). Specific components of these laws include pregnancy treated as any other medical condition. Insurance plans that exclude maternity coverage or severely limit it will not be accepted. Maternity coverage must be similar to coverage for other medical conditions. The following kinds of insurance plans are not considered to be comparable to the U-M International Student/Scholar Insurance Plan and therefore are not acceptable: Insurance that covers emergencies only is not acceptable. Insurance that pays for a patient's condition to be 'stabilized' but then requires the patient to be returned to the home country for treatment is not acceptable. Travel insurance is not acceptable. Travel insurance is insurance that is in effect for a short period time (60 - 90 days, for example) and is designed for short trips. Insurance that you plan to substitute for the U-M International Student/Scholar Health Insurance Plan should be in effect at least through August 31 of the current academic year unless you plan to leave the University permanently before then. Coverage under MediShare or other forms of cost-sharing arrangements that are not true medical insurance is not acceptable. The insurance plan must provide medical benefits of $1,000,000 or more per accident or illness. This amount must be available for accident or illness. For example, a plan paying up to $500,000 for accident and $500,000 for illness would not be acceptable. The insurance plan must cover treatment for self-inflicted injuries and services related to suicide. The insurance plan must cover at least 80% of usual and customary charges in the Dearborn, Michigan area for hospital room, board, miscellaneous hospital expenses, physician expenses in and out of the hospital, ambulance service, outpatient labs, x-rays, and diagnostic tests. The plan may not contain specific limitations for the treatment of medical conditions relative to standard hospital or outpatient care. For example, an insurance plan that limited coverage of hospital room and board to $500 or limited coverage of ambulance costs to $350 would not be acceptable. The insurance plan must cover at least 90% of usual and customary charges for prescription drugs. The insurance plan must have a deductible of no more than $100 per accident or illness, or $150 per policy year. The insurance plan must cover both inpatient and outpatient mental health treatment and must cover treatment for substance abuse (both alcohol and drug abuse.) A specific level of coverage for mental health treatment is not required. However, coverage for mental health treatment should not be significantly lower than the coverage provided by the U-M Health Insurance Plan. The U-M Health Insurance Plan covers inpatient mental health treatment for up to 30 days per policy year per condition. 25 visits per year for outpatient mental health treatment are covered with a co-pay of $25 per visit (in network) or $50/visit (not in network). 10. The insurance plan must be ACA-compliant. 11. The plan must have a 'medical evacuation to home country' benefit of at least $50,000 and a 'repatriation of remains' benefit of at least $25,000.
Q:Do your customers have to be either US citizens or people visiting the US? I am from Ireland and I have an upcoming trip to Japan. I am looking for comprehensive travel insurance. Is it possible with your company?
Q:I have a 51 year old Aunt and a 26 year old cousin coming to the US for 155 days, starting on 08/02 Need to get them coverage immediately. Want to understand the options.
Q:Hi, I am currently live in the U.S. H1-B visa for a long time but quit my job recently I want to travel in the U.S. can I buy Atlas Premium America? does this insurance cover people who live in the U.S?
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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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Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
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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.
Learn MoreTraveling 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.
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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