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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Which plan covers fully for flu shot, TDAP and pre-existing conditions?
Q:I would like to purchase a travel/medical insurance cover for a trip to Tanzania where we'll be doing mountaineering activity up the Kilimanjaro (5,985m altitude). Your adventure cover protects up to 4,500m, do you have other type of insurance that would suit me?
Q:I want to purchase some travel insurance and prefer the Atlas America plan. I have couple questions before I make my decision. I do not understand the part about deductible. What is the difference and what is the best option? Is it possible to pay monthly? Paying through an automatic draft would be best for me. I would prefer something monthly until I decide to quit.
Q:I am pregnant. Are these any type of insurance cover delivery?
Q:I am looking for a health insurance plan for my brother. He is a student on F-1 visa, currently residing in Pennsylvania, and entered the US on Dec 15th 2017, below are the requirements from his school: 1. U.S. carrier or entity is approved to do business in the U.S. and compliant with all guidelines of the Patient Protection and Affordable Care Act (PPACA) 2. Carrier has a filed and approved health insurance policy with the Commonwealth of Pennsylvania Department of Insurance or has a sponsored insurance plan that meets the waiver standards and is approved by the Student Health Insurance Office, together with a letter of financial guarantee directly from the plan sponsor 3. Coverage for 100% of preventive and contraceptive care (preventive examinations, immunizations and screening tests, as required by the PPACA and the Commonwealth of Pennsylvaniafor student health insurance plans) 4. Coverage for pre-existing conditions with no waiting period 5. Deductible no greater than $500; 6. Coverage for all essential benefits for accident and sickness, including prescription drug coverage, without limitation 7. Maternity Benefits (or Pregnancy) covered as any other illness or injury; 8. Inpatient and outpatient mental health/substance abuse as any other condition 9. No exclusions for injury or illness as a result of alcohol, drugs or attempted suicide 10. Worldwide coverage 11. $3,000 In-Network out-of-pocket maximum 12. $15,000/$30,000 Out-of-Network out-of-pocket maximum 13. OR U.S. employer sponsored health insurance in place of standards 1-12; 14. And Medical evacuation ($100,000/Repatriation ($50,000) minimum limits. Please Note: new waiver requirements for 2017-18 require all plans to be filed with the Pennsylvania Department of Insurance, or be approved by the Penn State Student Health Insurance Office and accompanied by a letter of financial guarantee for services not covered from the plan sponsor. This will eliminate short-term International Standards Organization (ISO) plans. In addition, Penn State students will no longer be eligible to purchase health insurance plans through Student Medicover, as part of a new agreement with United Healthcare Student Resources. Please help me find a plan compliant with the above requirements.
Q: Warm greetings. I am a new International student in the United States. I want to take an affordable student health-insurance plan. One of the options in insubuy.com has attracted me. Actually two: 1. Atlas Exchange Choice 2. Atlas Exchange Essential Both of these I ran down the details as follows: Visa status : F1 Home country: Nepal Currently residing : Illinois (my school is Southern Ilinois University Carbondale) DOB: Dec 18, 1992 Plan requirement : starting Jan 16, 2018 ending by May 20 2018. Policy max : $250,000 Deductible: $0 Co-Insurance: 100% I ran exactly same details as above and the following prices were offered: 1. Atlas Exchange Choice - $308.75 2. Atlas Exchange Essential - $266.25 I have attached a couple of documents about the Student Health plan from the University and I honestly do not understand most of the terms. Can you please tell me if both of your your Atlas Exchange offers are compliant with my university plan or any one of them so that I dont have to buy the university one which has gone above my budget. I am really looking for some assistance here and same applies to 7 of the new students here. Please get back to me soon.
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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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You cannot find a lower price anywhere for the same product.
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Same Price. Better Service.®
There are many advantages in purchasing from Insubuy and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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.
Learn MoreNew 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.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational 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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