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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Atlas America - No 24x7 Service My mother got admitted to ER on Saturday. I saw the pre-certification requirement and attempted to call Atlas america numbers, They are closed for the weekend. I am worried if they apply 50% penalty condition as there is no pre-certification.
Q:What is the best global/international medical insurance? Hi. What is the most comprehensive individual-policy medical insurance that includes prescription drug coverage? I want to teach English in China someday and it depresses me that I won't be able to retain my job's medical insurance for USA coverage. I'd have to purchase my own. I'm afraid that I might get a plan that won't cover important things if I get sick. Posting this under China as I know there are lots of expatriats on this part of Y/A....
Q:Student Insurance - South Carolina University; Columbia. UK Student Hi everyone, I'm having a real problem in trying to get cover for my time in South Carolina later this month. They have their own insurance, coupled with AIG but it's over $900 and I've been told that I can get it far cheaper elsewhere, but it MUST meet their restrictions otherwise I'll be forced to pay twice. I'll be staying from 14th August 2015 until 20th December 2015. Their conditions are: Coverage must allow the insured student to receive services in South Carolina (note â€" these are requirements for all plans according to the Patient Protection Affordable Care Act): Ambulatory patient services Emergency services Hospitalization Maternity and newborn care Mental health and substance use disorder services (including behavioral health treatment) Prescription drugs Rehabilitative and habilitative services and devices Laboratory services Preventive and wellness services (to include Dental and Vision) Chronic disease management Pediatric services including oral and vision care Coverage amount of $100,000 per policy year per illness/accident/injury Coverage amount of US $500,000 or greater aggregate per lifetime No pre-existing condition limitation A combined benefit of US $100,000 for medical evacuation and repatriation of remains (for international students) Yearly deductible not to exceed $5,000/individual and $10,000/family per policy year. Additional Requirements for International Students The University-sponsored Student Health Insurance Plan through AIG meets all additional insurance requirements for international students and dependents. In addition to the coverage requirements listed for graduate students, international students must have insurance that meets the following requirements: For J-1 exchange visitors and their J-2 dependents, the U.S. Department of State regulations require that the health insurance plan must also meet one or more of the following criteria: Part of a group benefits program offered to enrolled students by a designated sponsor, or A health maintenance organization (HMO) that is federally-qualified as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services, or A Competitive Medical Plan (CMP) as determined by the Health Care Financing Administration (HFCA) of the U.S. Department of Health and Human Services, or Underwritten by an insurance company that has an AM Best Company rating of "A-" or above, an Insurance Solvency International, LTD. (ISI) rating of "A-" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of "B+" or above. I have tried contacting the university directly, but they're not able to provide any assistance other than to say that they would need a separate insurance provider to print a letterheaded letter stating that the requirements are covered. I have an F1 Visa. Would anyone be able to give me links to policies which would cover me? I would massively appreciate it. Thanks for your help> J
Q:Visitors in USA - no medical insurance? I have my parents visiting me from abroad and my father needs to go see a Doctor immediately for Heart Condition. He does not have any insurance in US. What can we do? Are the hospitals OBLIGED to see any patient, regardless of coverage? Will I get roped into the whole process? Please guide.
Q:Parents on different age group, which is the best option to choose My dad is 77 and Mom is 69. They are planning to visit US on July 13th and will stay for 2.5 months. I started filling out the application form for Patriot GoTravel America, but it looks like I need a special form for my Dad since he is above 70. I can't figure out a way to do this online. Can anyone help?
Q:Atlas Amrica: Claim denied as No Pre-X Coverage Insurance ID For My Father: A91260217 I have taken Atlas America medical insurance for my parents trip in USA from April 4th 2015 to August 15th 2015. My father felt breathlessness on May 22nd 2015 night and we went to emergency room where he was diagnosed with Pulmonary embolism(PE) (It is a phenomena when all of a sudden blood clot travels in body and get stuck in heart). He was admitted to hospital for 5 days. Thanks to god he is fine now. Total bill was around $30K. Today I checked the hccmis portal and they have denied all the bills saying its pre-existing condition. My father had PE 17 years back. Well, if you have heart attack 17 years back and you suddenly have heart attack again than it can't be pre-existing. If you still count it as pre-existing than also it should be actuate on set of pre-existing condition which is covered. I bought this insurance from insubuy.com. Please someone from insubuy help me out here. Thanks, Siddharth
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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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There are many advantages in purchasing from Insubuy and no disadvantages.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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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.
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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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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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