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Ask Our Specialists

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

Q:Hi I am having severe neck pain and back of my head pain If I go to emergency room and do mri scan in a hospital will all the expenses will be covered by insurance company or should I pay money out of my pocket.

A:
The plans cover what is medically necesarry to diagnose and treat a new injury or illness. you can contact your benefits department on the back of your ID card to verify coverage with the insurance company.
{{currentOrigin}}/answers/international-student-health-insurance/hi-i-am-having-severe-neck-pain-and-back-of-my-head-pain-if-i-go-to-emergency-room-90338/

Q:HiI am a J1 research scholar in University of Illinois Urbana Champaign. I want ti buy an insurance for three months with 250 dollar deductible. However if i extend it for next three months, this 250 dollar deductible will still be charged again, if i charged already in previous plan.

A:
Extensions do not affect the deductible.
{{currentOrigin}}/answers/exchange-visitors-medical-insurance/hii-am-a-j1-research-scholar-in-university-of-illinois-urbana-champaign-83904/

Q:How can I get First Health PPO insurance for IVF

A:
We do not sell first health insurance. we only sell plans that use the First health PPO network.
{{currentOrigin}}/answers/other-insurance/how-can-i-get-first-health-ppo-insurance-for-ivf-89569/

Q:I am considering purchasing the Atlas Premium policy for my father-in-law (age 60) who will be visiting the US for 8 days.He had a heart attack (myocardial infarction) exactly one year ago. He is currently stable. I understand this is a "Pre-Existing Condition" under your policy definitions.I see that your "Acute Onset of Pre-Existing Conditions" benefit covers sudden recurrences, but it has a specific exclusion stating:"The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition..." Your policy defines "Chronic" as "any condition that usually persists three (3) months or longer".My specific question is: Does WorldTrips consider a history of a heart attack (or the underlying coronary artery disease) to be a "chronic condition" that would exclude him from the "Acute Onset" coverage?If he were to suffer a new heart attack while in the US, would this claim be denied based on the "chronic condition" exclusion in clause (a) of the Acute Onset benefit?Please provide a clear "Yes" or "No" regarding whether this specific medical history falls under your "chronic" exclusion.Thanks!

A:
We are unable to make the answer because the determination must be based on the information documented by the doctors notes. The insurance company will only use the medical record produced at the time of service.
{{currentOrigin}}/answers/international-travel-medical-insurance/i-am-considering-purchasing-the-atlas-premium-policy-for-my-fatherinlaw-age-60-76543/

Q:I just want to ask about the payments. Is it monthly? Or one time payment

A:
Most plans only offer a one time payment unless stated otherwise on the first step of the application.
{{currentOrigin}}/answers/j-visa-insurance/i-just-want-to-ask-about-the-payments-is-it-monthly-or-one-time-payment-73730/

Q:I am a US Citizen. Need insurance for a short term before i join the work force

A:
You can purchase a plan from here: /short-term-health-insurance/
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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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