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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:My husband and I are going to California. We are Italian Citizens and residents of Germany. Is it possible to take out a policy with you? I am looking for a plan which can guarantee a direct payment instead of a reimbursement.

A:
Most of our comprehensive plans participate in the PPO network. So the provider send the bill directly but sometimes some providers may ask you to pay upfront. For pharmacy, short term plans do not have any PPO network so you have to pay first then file the claim for reimbursement. If you need major hospitalization or surgeries, hospital sends bill directly. I have included a link to quote visitors plans below: Visitors To The USA Please feel free to contact us if you have any further questions.
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Q:I plan to purchase fixed coverage plan - Max $50,000 for my parents who will come to USA to visit us. There is one point I still don`t understand. I will choose $50 deduction.I understood that if they visit a doctor and will pay $50 first , and the rest expense will be reimbursement by insurance. How about the medicine. For example , the doctor give me a Prescription Drug which will cause $1000. How much I need pay for my portion?

A:
Thank you for your interest in purchasing insurance through us. We provide many fixed coverage plans. Which fixed coverage plan are you planning to take? Prescription drugs coverage is vary from plan to plan. But most of the plan after the deductible ( doesn't matter if it's for dr. visit or any medical expense) plan will pay fixed amount for prescription drugs. It may vary from $150-$250 per incident. There is no separate deductible for the prescription drugs. Please feel free to contact us if you need any further clarification.
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Q:I am wandering if you can issue a 1095-A form with information of insurance status for a tax purpose. Please let me know,

A:
No, plans for students are not going to offer the tax form since the plans are not ACA compliant. You will need to check with the university to find out what requirements they have for students. If the University doesn't have any requirement then any plan in the F1/F2 section will be appropriate /international-student-insurance/ If you need additional assistance please feel free to contact our office.
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Q:Myself and my husband are going to fly to California from 19th April to 3rd March, We are Italian citizens and residents of Germany. Is it possible to take out a policy with you? I am looking for a plan which can guarantee a direct payment instead of a reimbursement. Which plan could you advise?

A:
Thank you for your interest in purchasing insurance through us. We provide insurance from many companies but before we suggest any plan would like to know your age and your visa type? Most of our comprehensive plan participates in the PPO network. So provider sends billed directly but sometime some provider may asked you to pay upfront. For pharmacy short term plan doesn't have any PPO network so you have to pay first then file the claim for reimbursement. If you need major hospitalization or surgeries hospital sends bill directly. Once we get the information above will be glad to send you quote by e-mail. Meantime, please visit our website and visit appropriate section based on your visa type. Please feel free to contact us if you have any further questions.
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Q:I am looking for health insurance including in transit for my parents who are visiting between March 15 and April 16 (both days including) to USA from India. My parents are aged 76 and 71. Can you recommend me the best plans for health insurance considering their age and that provides max coverage.

A:
Thank you for your interest in purchasing insurance through us. We provide insurance from many companies. Essentially all the plans fall into two categories. Fixed and comprehensive plan. Insurance for an international visitor will cover for any new sickness, injuries or accidents that may occur after the effective date of the policy. Insurance will not pay for any pre-existing or preventive care. However we have some plan which covers an acute onset of pre-ex for age 70+ also. Please find more information on acute onset of pre-ex here. Your parents are coming here for very short duration so it's advisable to go for comprehensive plan. You can go for Safe Travels USA Comprehensive plan which covers an acute onset of pre-ex for age 70+ also. Please find more information about this plan here. Meantime, please visit our website to view the plans. Please enter appropriate criteria. You will find many plans and you can also compare them side by side. Please feel free to contact us if you have any further questions.
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Q:I am hoping to purchase health insurance for my parents who just arrived to New York from India. I wanted to know two specific questions. Do the plans offered by your company include providers and hospitals in Augusta, GA (are they "in-network")? Do they have to purchase the policy before entering Georgia?

A:
If a hospital is in network or not will depend on the plan you choose. You can run a provider search under any of the plans that offer a network. It is not required to purchase the insurance before entering GA. The plans will cover any new illness or injury that occur after the effective date of the plan. If you need additional assistance please feel free to contact our office
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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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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling 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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New 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.

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Going 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.

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Are 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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Traveling to Europe?

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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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International 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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