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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Please help me to check out if the plan can reach the requirement for waiver. Thank you! International Student and Dependent Waiver Standards for the Student Health Insurance Plan Effective August 10, 2017 All requirements must be met for a waiver to be granted: 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 am planning to buy insurance for my in-laws visiting from India, does the insurance offered by you meet ACA(affordable care act) standards?
Q:Question regarding visitor insurance I am looking to visitor insurance for my parents who are resident of India and visiting us in MD, USA. We are looking to buy Patriot America Plus policy. Does this policy provide coverage for visitors visiting Maryland (MD)?
Q:I want to get medical insurance for my wife and children. They are permanent residents in the US and waiting for their green cards. They have been in the US just for two months. At the moment, they have no SSN. Thus, home country is the US. Which plan must be chosen in this case?
Q:I need to know about getting insurance for my wife, she is Greek but she will become US citizen, currently we live overseas and need to know about maternity coverage, what we should do in order to have full coverage with a company. The maternity insurance we will needed in a year or so from now.
Q: I want to buy insurance plan Atlas America but in the chapter "Geographic Restrictions" I found the following note: "U.S States - Physical Presence at time of application - unavailable: Maryland, New York, Washington" Does it mean that this plan does not work in state Washington?
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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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There are many advantages in purchasing from Insubuy® and no disadvantages.
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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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