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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I am an international student and I an interested on your health insurance. One friend of mine has it and I am trying to get it because my university is very specific and they accept this insurance. It is one with the overall policy maximum $250,000/ Maximum per injury is Overall Maximum Limit and Emergency Medical evacuation & Repatriation is $1,000,000. Here are the requirements: 1. Out of pocket costs may not exceed $6350 per year for an individual OR $12,700 per year for a family 2. Unlimited Coverage for injury or sickness 3. Medical Evacuation coverage to home country is $50,000 or more 4. Repatriation coverage is $25,000 or more 5. Coverage for preventative care at 100% in network including immunizations, physical exams and birth control with no cost sharing 6. No pre-existing condition limitations 7. Essential benefits as defined by the ACA (Affordable Care Act) must be covered; (No internal caps on essential benefits, including mental health, pregnancy, prescriptions, surgery, emergency room, doctor visits, hospitalization, physical therapy)* 8. Have a phone contact within the United States 9. Proof of health insurance provided in English and US currency only * Waiver ACA Essential Health Benefits 1. Ambulatory (i.e. Outpatient) patient services 2. Emergency Services 3. Hospitalization 4. Maternity and newborn care 5. Mental health and substance use disorder services, including behavioral health treatment 6. Prescriptions drugs 7. Rehabilitative and habilitative services and devices 8. Laboratory services 9. Preventive and wellness services and chronic disease management 10. Pediatric services for oral (dental) and vision care up to age 19.
Q:I am about to start my graduate studies at Stanford University, in California (F-1 Visa Student). I am currently looking for a health insurance plan for my stay as a student in the United States. In this regard, I would like to ask for the mensual and total cost of the health insurance plan you offer from the period of September 1, 2019 through August 31, 2020, and considering to meet or exceed the following minimum standards the Stanford University requires: - An annual deductible less than $1,000 USD. - Lifetime aggregate maximum benefit of at least $2,000,000 USD or a maximum per condition/per lifetime benefit of $500,000 USD. - Coverage for inpatient and outpatient medical care in the San Francisco Bay Area and the U.S. - Coverage for inpatient and outpatient mental health care in the San Francisco Bay Area and the U.S. - Prescription drug coverage. - Coverage for non-emergency as well as emergency care. - Coverage for pre-existing conditions or you have met applicable waiting periods.
Q:I need to have an insurance coverage from 08.26.2019 to 12.31.2019. These are the requirements from my University: Medical benefits of at least 100,000 per accident or illness. Repatriation of remains in the amount of 25,000. Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of 50,000. Deductible of 250 per Injury or Sickness. Covers pre existing conditions. Covers maternity. Period of Coverage Out of Pocket Limit of 2500 per period of coverage. Underwritten by BSC Insurance Company which is rated A (Excellent) by A.M. Best Company
Q:Just wondering if any of your student policies cover the below list of criteria as set by Michigan State University, otherwise we will have to buy their own insurance. Period of cover is from mid-August to Mid- December 2019, for a 20 year old Australian Student. International Student Waiver Criteria - Covers a minimum of $500,000 per condition without time limitation. - Has a policy year deductible of $500 or less per individual. - Covers inpatient and outpatient medical services (including labs and x-rays). - Covers inpatient and outpatient mental health services. - Covers prescriptions up to a minimum of $500,000. - Has a maximum out of pocket limit of $2000 per individual and $4000 per family. - Provides coverage worldwide. - Has $50,000 or more provision for medical evacuation to your home country. - Has $25,000 or more provision for repatriation (removal of remains after death)to your home country. - Has coverage for HIV infection, including AIDS, AIDS-related complex, and a positive HIV test. - Provides coverage for the waiver period requested.
Q:I am looking to buy either one of these plans Atlas America and Patriot America Plus, please help me to answer these questions before I buy this Insurance plan 1. My father has diabetes, Bp taking medication from last 5-6 years, after coming to the US, 2-3 months later he got Heart attack/stroke, Will Atlas America/Patriot America plus plan cover these expenses due to the Heart Attack/Stroke? 2. My Mother has stent 4 years back in heart, after coming to the US, 1-2 months later she got Heart attack/stroke, Will Atlas America/Patriot America plus plan cover these expenses due to the Heart Attack/Stroke? 3. As my father has high bp, sugar if due to this there is emergency happens and they need to do the immediate procedure in case of life-threatening conditions, Will those expenses cover in Atlas America or Patriot America Plus.
Q:I am about to live in Kansas City with my wife. We are French and we need an insurance. Could you help us please?
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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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Healthcare costs are very high in the U.S.
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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.
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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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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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