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All questions are answered by U.S. based licensed and experienced insurance professionals.
Q:Here is the list of requirements: In order to waive the Penn State Student Health Insurance plan (SHIP). Your current health insurance coverage must meet these requirements. 1. U.S. career or entity is approved to do business in the U.S. and compliant with all guidelines of the Patient Protection and Affordable Care Act (PPCA) 2. Carrier has a filed and approved health insurance policy wih 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 Pennsylvania for 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 limitations. 7. Maternity Benefits (or Pregnancy) covered as any other illness or injury; 8. Inpatient and outpatient mental health/substance abuse as any other conditions 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.
Q:Looking to get cover for my son who is an F1 Visa participant going to study in Central Michigan University. They state that they are out of network with Tokio Marine. I wonder how could best you could cover my student son while in Central Michigan University when the clinic is out of network. If I take out the ExchangeGuard Essential policy with zero deductible and cover to $500k what happens if my son needs to use the services at the Student Health Services and does a claim form from your son needs to be filled out or can the bill be dealt with direct with yourselves from the SHS. Will you need my son to fill out a form for each encounter.
Q:My team will be travelling to Europe from September 5th to October 5th, and we need 2 insurances: a travel insurance and a hazardous sports insurance. We have 4 Brazilians, 1 American and 1 Russian member on this trip, and we'd like to receive a quote on these. We are a production company from Brazil and will need coverage for paragliding, hiking and trekking.
Q:I need insurance for my parents who are visiting me in New York. Please share details for Atlas America.
Q:What does the patriot america plan cover?
Q:I search for a health insurance plan to cover my period of stay in the US as a F1 student. I just wanna something to cover emergency cases, a basic plan.
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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.
Learn MoreWhy buy insurance from Insubuy?
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.
Learn MoreTraveling 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.
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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