Excellent Service.

I liked your quick service

I am glad to purchase my insurance from INSUBUY and I really like the services.

Meet,

Patriot America can be purchased for any duration you like, minimum of 5 days. However, you must buy initially for a minimum of 3 months in order to be able to renew in future. Therefore, if you buy for 2 months in your case, you can't renew it.

In your case, I suggest that you look at Protection America, also available on this web site. It is from the same company and essentially provides the same coverage and allows you to renew even if you buy for small duration. (Of course, costs higher for that flexibility).

I hope that answers your questions.

If you have any additional questions, please feel free to post them here or contact us at any time.

In my previous post I meant to ask : Can I renew the policy after 2 months or the original policy has to be minimum for 3 months to renew?

Quick question,

I am leaning towards buying Patriot America for my mother who is visiting for 2 months. In case her stay gets extended, can you renew the policy. The website says, the policy can be renewed for minimum 5 days if you have initial policy for 3 months> So does that mean, I can renew the policy if my initial policy is for 2 months.


Please advice.

Thanks

Meet

You can look at different new immigrant medical insurance plans at http://www.insubuy.com/newimmigrant.jsp

My parents are here on green card. Where can I get insurance for them? THey both are above 70 yrs and do not have any major illnesses.

I want to let everyone know about the scam(s) being run by most of the Medical Insurance Company's in India especially for parents holding Visitor Visa's.

My parents visited US 3 months back and I have done good amount of research and after inquiring about various plan details got medical insurance from ICICI.
My parents paid around $1400.00 for 6 months.

The policy's name it self mentions Cash Less claim policy meaning
no payments/approvals required at the time of service and their US tie up United Health Care would take care of all the charges.

Unfortunately, my father had developed Heart Symptoms and on the advise of a family Doctor living remotely had to contact ICICI for finding out about any specific group to be visited.

We were told that, I need to pay the consultation charges and if it is more than deductible of $100.00, need to file for Claim.
I was ready for that but asked about any diagnostic tests prescribed, they had suggested the same pay and claim policy.
I argued with them about policy details and the ICICI representative was suggesting the same.
Later, I was told to visit a Doctor and send them Prescription for tests so that they would pre-approval.
At this point , I was pretty sure nothing is going to work out with this policy and it is a scam.
But still sent them all the test details.
ICICI never responded even after 2 weeks and kept on dragging requesting the same documents over and over.
Most ridiculous part was they operate without a Toll Free number and every time we need to keep on updating every representative.
Thank god with advise from my family Doctor, I sent my parents within a week.
After reaching India, my father was undergoing tests and one day suddenly developed severe Heart stroke and was rushed to hospital and got operated.
He is safe and stable now and is recovering.
Meanwhile, ICICI did come back after 4 weeks with a pre-approval, with $ 800.00 limit.
They dont have any pre-negotiated rates with any hospital in USA.
I asked how about United Health Care tie up.
They answered that United Health Care is just a payment agency for ICICI in USA. It seems that we can't really use United Health Care PPO network, and there is no direct payment and there are not network negotiated fees. This is so misleading.

Hi

Me and my wife are expected to travel to US on 23rd of July, hence we would like to have a travel insurance and immediate insurance on arrival (i.e. before my company processes an insurance for me and my wife).

Please let me know who could give the best for us as it would need to cover pregnancy as well. (my wife is in her 34th week now)

Thanks
Syed