Millions of people of ethnic origins live in the U.S., either on temporary or permanent basis. However, many of their close relatives, such as their parents, live outside the U.S., many times half way around the world. It is natural that they would like to invite their relatives to visit them. Many of them are elderly and visit for a longer duration such as from three to six months. As the healthcare is very expensive in the U.S., it is highly recommended to purchase visitors insurance. Just like any other insurance product in the world, each visitors insurance plan has its own specific terms and conditions. For most people, claims work out just fine. However, some people run into claims issues that they can’t resolve on their own. That is when the knowledge and experience of Insubuy’s Claim Resolution Specialists can be quite valuable in a time of need.

Reason for Claim Appeal

Before they started their travels, the customer purchased their international visitors insurance plan. Two weeks after the plan became effective, she sought treatment for amnesia, anxiety, and rectal bleeding. A colposcopy was done and they were diagnosed with hemorrhoids and a polyp. The claims department denied the entire claim as a pre-existing condition for a mental health disorder.

Attempts to Appeal Before Contacting Insubuy

The insured’s anxiety was not actually due to a mental health disorder. It was merely a side effect to the stress from their medical condition. They got the doctor to correct the billing codes and filed an appeal. Part of the claim was overturned on appeal and the insurance company paid some of the bill. But not all of it, the polyp was still deemed a pre-existing condition. For that reason, and because the appeal process was taking longer than normal, our customer decided to call us for help.

After Contacting Insubuy

The insurance company had a strong case that there was medical certainty that the polyp was a pre-existing condition. Once proper authorization and medical records were provided by the customer, Insubuy’s claim resolution specialist continued to fight the insurance company to have the full claims paid. We communicated with the insurance company often over a 5 month period and finally got the entire claim paid.

The entire claim was paid and the patient’s responsibility was $0. Insubuy was instrumental in helping our customer get over $32,000 of their claims paid.

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  Pre-existing conditions in Visitors Medical Insurance

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Conclusion

While it is easy to make an instant purchase of visitors insurance from the numerous websites that offer them, who you buy from really makes a difference if you run into legitimate claims issues. You need to know that the broker you choose is knowledgeable and willing to help you with issues after the sale. Insubuy has been in business for around two decades and deals primarily with international visitors insurance. Insubuy’s staff has unmatched expertise and experience in the visitors insurance industry. With the volume of sales Insubuy regularly has, we can easily reach the necessary staff at a given insurance company, including upper management, as legitimately justified to put forth the legitimate and accurate arguments to get an insured’s legitimate claim approved.

Insubuy’s claim resolution help comes at no additional cost to the customers and in time of need, we can make a big difference in getting the claim paid or not. If you are experiencing a denial of your legitimate claims, and need help appealing, contact us for assistance immediately.