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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:I have graduated recently from US University. Currently on OPT looking for Insurance. Please advice. I have been in the US for 17 months.
Q:What are meant by pre existing conditions? Do you have a list of what is meant by that. For say, I don't have any Diabetes, Blood Pressure, Thyroid nor any Kidney, heart or other ailments. How will you differentiate the future health conditions with pre-existing conditions? It shouldn't be a case where I get enrolled into the plan and the insurer reject my claim towards some illness in the future that this ailment falls under pre-existing. Please clarify.
Q:If I don't have ACA coverage insurance for 2019 year, will I have to pay penalty when I file tax returns for 2019? And do you provide medical insurance which are not covered under ACA. If yes, what are the different healthcare/Medical plans do you have for family of 3?
Q:I needed a medical insurance for my family. Since the open enrollment is closed now, I wanted to know can I get medical insurance from outside and will that covered under ACA rules. I mean when I pay tax for 2019 (next year) will I have to pay penalty or not? Currently I am insured through my employer insurance. I need to change it for the next year.
Q:Looking for visitor insurance for my in-laws. Could you please give info on different packages for it? Father-in-law : 62 Mother-in-law : 56 California They are already in US. Their return date is : May 25 2019
Q:How do I know if expense os covered or not? Do I need to check with insurance provide before I take health services from University? Also please let me know if you are providing the Student health USA preferred 500 by HCC or do you have different plan?
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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.
Learn MoreWhy purchase insurance from Insubuy®?
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.
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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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