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Thread: Prescription drug discount card for pre-existing conditions

  1. #1
    Join Date
    May 2005
    Posts
    2,621

    Default Prescription drug discount card for pre-existing conditions

    Hi, I am planning to buy Insurance for my parents. They are immigrating to US. I am thinkging to go with 100,000 max policy, 80/20 and 1000 deductible. I checked your website and seems like Protection America also has a prescription discount card. Can that card be used for the pre-existing conditions? Also their official address is in Ohio but they will spend most of the time in Minneapolis. Which state should I select while buying the insurance? Awaiting your reply, Thanks,

  2. #2
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,435

    Default

    Yes, you can use the prescription drugs discount card for pre-existing conditions as well. Please look at https://www.insubuy.com/universal-rx/ to see which drugs are covered at what cost.

    You don't have to select any state. Insurance is valid everywhere in the US, except FL addresses.

    You can make instant purcahse online at https://www.insubuy.com/patriot-america-insurance/

    Please feel free to contact us at any time if you have any other questions.
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

  3. #3
    Join Date
    May 2005
    Posts
    2,621

    Default

    I am trying to purchase the protection america online. I am just wondering if it is possible for me to pay the insurance monthly instead of paying the whole premium at once.If so, is there any additional charge?

  4. #4
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,435

    Default

    You can pay monthly without paying anything extra.

    Instead of putting mutliple months, you just specify one month at a time and then you renew the insurance at https://www.insubuy.com/img/renewal/
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

  5. #5
    Join Date
    May 2005
    Posts
    2,621

    Default

    My Parents are coming here on Green Card. Will they be eligible for the Domestic Insurance like Fortis? The coverage seems to be better as they cover preventive and pre-existing? Please advice.

  6. #6
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,435

    Default

    They can buy insurance like Fortis (now called Assurant Health) after you they have been staying in the US for at least 1 year on green card and as long as they are younger than 63.5 years of age.

    We have Assurant products available at http://www.domesticinsuranceusa.comh...cal-insurance/. However, they will much more expensive. Also, not all people with pre-existing conditions are accepted. And even if they are accepted, pre-existing conditions coverage is not immediate.
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

  7. #7
    Join Date
    May 2005
    Posts
    2,621

    Default

    Thanks for the prompt reply. One more question, if I renew each month, would that affect the Deductible? Would the deductible amount restarts for each policy period ( in this case each month) or is the deductible counted for 6 months?

  8. #8
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,435

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    Deductible is annual.
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

  9. #9
    Join Date
    May 2005
    Posts
    2,621

    Default

    sorry to bug you like this...if i pay premium for 6 months and if i want to cancel on the second month, would i get refund ? Do you charge any cancellation fee?

  10. #10
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,435

    Default

    No problem at all.
    In Protection America, if you cancel early, you will get the refund for fully unused months minus $25 cancellation fee, as long as no claims have been filed since the effective date.
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

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