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Ask Our Specialists

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

Q:I am 26 years old, pregnant and plan to deliver in USA. Can you cover me?

A:
Unfortunately, there is not an insurance that you could purchase to cover the cost any maternity or delivery related expenses for your pregnancy. If you are planning to have a baby in the United States this would be an expense that you would pay for out of pocket.
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Q:My mother is the policy holder with you and would like to know how could she check on the current claim status and process? Do you have the online access to this information?

A:
You will need to contact the claims department for any claims related information as we do not deal with day to day claims in this office.
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Q:I want to purchase an insurance that would qualify for our school's policy. I am an international student. The following are the benefits that required by our school. Can you recommend some insurances for me that I could purchase today. Thank you! International Students in the F1 and J1 student statuses must have a minimum of the following benefits: Both accident and sickness coverage Minimum benefit of $250,000 per policy year A deductible of $500 or less and/or co-pay per individual, per year In-patient and outpatient, mental and nervous disorder benefits Prescription drug coverage Pay benefits worldwide Medical evacuation to one's home country and family reunification of not less than $50,000 Provision for repatriation of remains of not less than $25,000 All Georgia mandated requirements International students and scholars, and any accompanying spouse and dependent(s), may be subject to the requirements of the Affordable Care Act. *Federal Standards required for International Students

A:
Thank you for contacting Insubuy for your insurance needs. While we do have plans for students that would meet most of the requirements, the one requirement that plans outside of the one offered by your school that cannot be met is the "All GA mandated requirements". If you have additional questions please feel free to contact our office.
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Q:I am writing to add a dental coverage for someone who is currently enrolled for medical insurance through the Patriot America plan. Can you please let us know: 1) What our best options are? 2) If the current plan covers dental too?

A:
Your current plan is a medical plan so will cover an accident related emergency up to the policy max or acute unexpected pain up to $300 but no other dental benefits. There is no dental insurance for visitors to the US but instead a dental/vision discount plan called Careington.
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Q:My son is looking for insurance that will be compatibly with UN Nebraska policies. He need an insurance for 12 month start on 04-Feb-2018. For reference I attach the current insurance that Julian has with ISO.Org company. The conditions of this insurance are fine for UN Nebraska University but recently they changed the conditions and only received companies that have headquarters in US. The ISO.org is in UK. Currently Julian is in Lincoln Nebraska, he began study (4 semester of physics) on January 8 of 2018. He need an insurance for 12 month from 04-Feb-2018

A:
Unfortunately, there is not a plan that we can offer that is comparable to the plan that he currently has. Plans that are available will not have the unlimited benefits nor coverage for preventative care as listed in his current plan.
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Q:I am an International student living in the USA, on F1- OPT Visa. I need to buy a health Insurance for 5 months. Kindly suggest me the available insurance plans /quotes with ACA compliance for F1- OPT visa candidates. I look forward to speaking with you regarding the same.

A:
Thank you for contacting Insubuy for your insurance needs. Unfortunately, there is not a plan that we can offer you that is PPACA compliant. It is recommended that you purchase insurance from your sponsoring organization. If you need any additional clarification please 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 buy 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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