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CAREINGTON is an excellent dental plan for visitors. It costs only $11.95/month and there is one time application fee of $20. It works out really great. You must visit a dentist in the network only, available at /dental-vision-plan/provider-network/ For every procedure that the dentist does, you pay a certain amount of copay and rest is paid by CAREINGTON. No claim forms to file. The copay depends upon the procedure you do and the state in which you are located. Look at /dental-vision-plan/dental-schedule/ e.g., in Virginia, adult teeth cleaning copay is $25.00 That is all you pay for cleaning. You can make instant purchase online at /individual-family-dental-plans/ If you have any other questions, please feel free to post it here or contact us at any time. you get a lot of products for teeth cleaning in the stores. like Crest whitestrips. you do not need to go to a dentist for teeth cleaning. for any other procedures - root canal, extraction nowadays people fly to Phoenix and cross over the mexian border and have the procedures done. Does this mean; I visit the network dentist. I show him the careington enrolment card. They just charge the copay and rest they bill to careington? But the careington website says there are no direct payments to the dentist. Please clarify where I am wrong. CAREINGTON is an excellent dental plan for visitors. It costs only $11.95/month and there is one time application fee of $20. It works out really great. You must visit a dentist in the network only, available at /dental-vision-plan/provider-network/ For every procedure that the dentist does, you pay a certain amount of copay and rest is paid by CAREINGTON. No claim forms to file. The copay depends upon the procedure you do and the state in which you are located. Look at /dental-vision-plan/dental-schedule/ e.g., in Virginia, adult teeth cleaning copay is $25.00 That is all you pay for cleaning. You can make instant purchase online at /individual-family-dental-plans/ If you have any other questions, please feel free to post it here or contact us at any time. You just have to pay co-pay. You don't have to worry about rest of the money. Nobody will ask you for rest of the money. It is a deal between the dentist and CAREINGTON. CAREINGTON pays a set amount of money every month to those dentists irrespective of the number of patients. They don't pay any money to dentist just because you went to that dentist. That is why there are no claim forms and that is why CAREINGTON mentions like that. I hope that clarifies. you do not need to go to a dentist for teeth cleaning. for any other procedures root canal, extraction nowadays people fly to Phoenix and cross over the mexian border and have the procedures done. Reply With Quote

You have mentioned 2 types of insurance in your post. Therefore, first of all, let me clarify it. Life insurance: It is for the person's life. Generally speaking, if the person dies, his/her beneficiary gets the death benefit. Health insurance: It is for any medical problem. Like getting sick, getting injury or accident. Having said that, if you want life insurance, you don't have much choice as you are on H1. Prudential is a very good company that offers life insurance for H1 holders. There is no plan from any insurance company anywhere that is going to cover pregnancy related expenses if she is already pregnant. Your options are * Ask your wife to deliver the baby in India and then come to US * Check with your employer whether they will enroll her in the group insurance if she is already pregnant and cover the pregnancy * Pay for all pregnancy related expenses yourself

Protection America provides coverage up to policy maximum for both sicknesses and injuries. WorldMed Lite provides coverage only up to $5,000 for sicknesses and up to the policy maximum for accidents only. That means, WorldMed Lite is primarily an accident plan. Comprehensive is best type of coverage. And among them, Protection America is the best one.

You may be able to add her to your employer's policy after you get married to her. Even after marriage, your employer might have some waiting period before they can cover her. Check with them. Until then, you have to purchase short term insurance for her. You can purchase Protection America, available for instant purchase at /fiance-visa-medical-insurance/ (It says Fiance on that page. But it is same situation for girlfriend as well.)

This has been my experience with visitors insurance and the help I received. I had purchased IMG visitors insurance for my parents. Unfortunately, during my parents visit to US, my mom had to be admitted into hospital for 3 days. I followed all the protocols of the insurance company, by informing them as soon as my mom was taken to ER and then admitted into the hospital. I gave all the insurance details to the hospital and various doctors office. The bill for 3 days had come to approximately $15000. After filing all the claim forms, along with all the reports from the hospital, the insurance company rejected my claim. I then contacted the Insubuy manager and informed him of the situation. I also forwarded him the details of the claim. He helped me in this situation and he spoke to the representatives of the IMG insurance company. Finally my claim was approved and paid. I would like to thank you for helping out in this difficult situation. Since, then I have been buying all my visitors insurance (parents, in-laws, sisters, etc..) through Insubuy. His service is very prompt and always willing to answer any question you may have. I would recommend him to anyone. Please feel free to contact me if you have any questions.

1. Annual. 2. Prescription drugs are covered as part of the medical expenses. That means, you have to pay 20% for the first $1,000 just once for any combination of dr. visits, hospital stay and rx drugs. 3. After the effective date, as long as there are no claims filed from day 1, Protection America: Fully unused months minus $25 cancellation fee. (This is mentioned in the brochure.) Liaison International: Pro-rated duration minus $50 cancellation fee. Here, unused means early departure. If you bought for 6 months and stayed in US for 6 months, you completely used the insurance and there is no refund in that case. 4. Both. 5. A. Not for Dr. visits. Just for inpatient/surgery etc. And in an emergency, you don't have to first call. You can call within 48 hours or as early as reasonably possible. B. No. C. Same timings in both companies. Anyway, it does not matter based on answer 5A. D. There is no guarantee of benefits in any company. Even in the domestic group health insurance that I get through my employer from Aetna has no guarantees. Precertification is more accurately described as prenotification. You just have to call the insurance company and let them know that you are going to do such & such so that they are better prepared in case the hospital calls to confirm the benefits. Insurance company's claims dept. determines whether something is pre-existing condition or not based dr. opionion, attending physician statement, medical records and treatment details. That is done only after the treatment and when the claim is submitted. That is exactly how domestic companies also work. Just that you don't realize that because most of things are covered in group health insurance. Even I get some things denied in group health insurance if it does not happen to be covered procedure. E. Certificate wording has the official policy details. It is little bit more detailed than the brochure. It is not available online. Contact us and we will make it available to you. I hope this answers your questions. If you have any additional questions, please feel free to contact us at any time or post them here. Based on ur reply i shall go with protection america. looking at the provider directory the list of provides atleast in bay area seems to less for protection america compared to liaison. But on your web-site IMG/protection america is listed as the largest provider network. could u please clarify this part ? is it because the liaison provider directory is not accurate but just lists all provider OR the people who accept Protection america in California (San Jose) area is less ? would appreciate it if u could clarify asap as i need to make a purchase today. thanks Also didnt understand the *pay once* - part in ur reply for the 80/20 rule, have listed 3 cases below, could u pls clarify which one of it it is. "That means, you have to pay 20% for the first $1,000 just once for any combination of dr. visits, hospital stay and rx drugs. " If patient makes say following expenses for example CASE 1 total expense (insurace pays/ patient pays) --------------------------------------------------------- outpatient - 200$ (160/40$) rx - 50$ (40/10) outpatient - 100$ (80/20) but for this case ------ CASE 2 expense1 - 5000$ (4000$/1000$) ONCE since patient hit 1000$ expense2 - 1000$ (1000$/0$) patient pays nothing. is this what u are trying to say ? ---- CASE 3: guess *NOT* this as this means, patient incurs all expense for first 1000$ and only after that does the insurace starts paying. expense 1 - 200 (0/200) expense 2 - 800 (0/800) UNTIL total hits 1000, insurance pays nothing expense 3 - 500 (500/0) only nowthe insurace coverage starts. ---- thanks Answer for posting 2 from Isha -------------------- That's not true. I just searched within 10 miles of 95120 (San Jose, CA). I found 1382 providers in Protection America, while I found 752 providers in Liaison International. I am sure you were not search properly. Some times, the same provider is listed differently in different plans (such as family practice or internal medicine or primary care physician. e.g., if you search using the term family practice, and one plan lists most of those types of providers as primary care physician, you would see less no. of doctors in family practice, but does not mean there are indeed less doctors.) Answer for posting 3 from Isha. ------------------------------ Case 1: This is correct Case 2: This is correct Case 3: This is NOT correct