New Immigrants Medical Insurance

[submittedviaemail]

I'm looking into getting insurance for my mom and I'm hoping you can clarify a few things for me:

1. With comprehensive coverage (Patriot America Plus, Liaison Continent A) -- does this cover mammography? What is the "preventive screening" coverage?
2. I'll probably paying and renewing the insurance month to month. If, for example I start of with Liaison Continent A, then when it expires, I decide to go to Patriot America Plus, how does that work? What is the process?
3. Does comprehensive coverage covers the entire US and then travels (except for restricted countries listed)?
4. If the application had breast cancer before and has been in remission for about 8 years, I understand that no longer qualifies as a pre-existing condition, right?

I'd greatly appreciate your prompt response.

[insubuy]

Hello,
Thank you for contacting Insubuy for your insurance needs. Please see the answers to your questions listed below.
1. Mammography would not be covered as the plan does not cover preventative care as this considered to be a preventative service which would not be covered under the policy. Preventative Screening is any service that is done such as a routine checkup or a women’s annual that should typically be done in the home country.
2. Once a plan is active is it recommended to continue with that plan throughout the duration of the stay. As purchasing a new plan would be new and anything that happens before the effective date of the new policy would not be covered to include any injured or illness that may have occurred under your previous policy.
3. Yes, the plans will cover anywhere outside of the home country or country of citizenship and during travel.
4. This would still be considered a pre-existing condition the plans have specific exclusions for cancer.

If you have any further questions please feel free to contact our office.

[submittedviaemail]

Thank you for your response.

I just have a few follow up questions:
1. Do you have a recommended insurance plan which will cover preventive exams?
2. What coverage is available for cancer?

[insubuy]

Thank you for contacting Insubuy. Unfortunately, there are no plans on the market for a visitor to cover any pre-existing conditions or preventative care. If a non U.S. resident or citizen wishes to receive any treatment for a pre-existing condition or have preventative checkups this is an expense that would be solely out of pocket.

If you need any further assistance please feel free to contact our office. Please review the link to a helpful FAQ that may assist with any unanswered questions.

Visitors Insurance for Cancer Treatment in USA:
https://www.insubuy.com/visitors-ins...atment-in-usa/

[submittedviaemail]

Hi. Is this still the same if it's for a Legal Resident?

Noted on the cancer info.

[insubuy]

As a legal resident (i.e.) green card holder etc… The would be eligible to have a domestic Insurance that would cover any pre-existing conditions or preventative care.

At this time the open enrollment season has ended and enrolling into a domestic insurance plan would not be available unless there is a special enrollment period warranted and would be determined by the marketplace.

[submittedviaemail]

Thank you. Do you provide this health insurance? If so what plan options do you have?

I believe my mom will qualify for special enrollment as her arrival to the US is dependent on the date the green card/ petition will be approved. Is this correct?

Thank you so much for your prompt response. I really appreciate it.

[insubuy]

In order to enroll under long term policy, Your mother needs to have social security number. So as soon as she comes you can apply for her social security number usually it takes 1-2 months. In that time you can have Patriot America plus plan. Which covers any new sickness, injuries or accidents. No pre-existing and preventive care. However it has acute onset of pre-ex below age 70 years.

More information on acute onset of pre-ex,
https://www.insubuy.com/visitor-insu...ng-conditions/

If she is coming on immigrant visa you can’t purchase Liaison continent or Atlas America plan.

Patriot America plus brochure, instant purchase link,
https://www.insubuy.com/patriot-america-plus-insurance/

Yes. We offer long term policy also but in order to give quote we need to have insured dob, zip code, does she smoke or not? Once we get these information will be glad to send you quote.

Meantime, you can find some long term plans at,
http://www.domesticinsuranceusa.comh...cal-insurance/

Please review all these information and feel free to contact us if you have any further questions.

[submittedviaemail]

Sorry, I thought you said preventive care is covered: "As a legal resident (i.e.) green card holder etc… The would be eligible to have a domestic Insurance that would cover any pre-existing conditions or preventative care." What plan option covers this?

[insubuy]

The short term plans do not cover preventative care while the long term domestic plans do cover preventative care. It may take some time before she is eligible for a long term domestic plan so in the meantime you can purchase the Patriot America Plus as mentioned below.

Please contact our office for additional assistance. We have licensed agents available from 8:00 am to 9:00 pm Monday through Friday and 8:00 am to 5:00 pm on Saturday and Sunday, central standard time.