Hello,
My parents (dad:59 and mom: 55) will be visiting next month on B2 visa. Mom is generally healthy, but dad has low vision due to diabetic retinopathy, which puts him at risk of certain things such as eye complications, diabetic foot, falls, or something more serius. We are taking due care to ensure proper maintenance of his health (medicines from India, monitoring pressure and diabetes at home).
From our point of view, we do not want any emergency to occur. So, I am checking with diabetologists and retina specialists in the area what it would cost to consult them on regular schedule (1 or 2 months) without coverage from insurance. Happy to pay for comprehensive insurance + regular maintenance.
Let's say we find out during regular checkup that dad needs to undergo urgent medical treatment (laser ablation to fix rapidly rising glaucoma, retinal surgery to correct detachment) the very next day. How about injury due to fall that occurs due to low vision? Will these be considered an acute onset by insurance companies such as Atlas America and Patriot? Do these plans cover urgent outpatient treatments?
Also, what will be more cost-effective: to combine high-risk and low-risk persons on single policy, or to buy separate policies for them.
While I appreciate information from Insubuy, if people other than Insubuy are reading this forum, please chip in. Such questions are important to the community and I pledge to report my honest experience.
Thanks
Eastbound
My parents (dad:59 and mom: 55) will be visiting next month on B2 visa. Mom is generally healthy, but dad has low vision due to diabetic retinopathy, which puts him at risk of certain things such as eye complications, diabetic foot, falls, or something more serius. We are taking due care to ensure proper maintenance of his health (medicines from India, monitoring pressure and diabetes at home).
From our point of view, we do not want any emergency to occur. So, I am checking with diabetologists and retina specialists in the area what it would cost to consult them on regular schedule (1 or 2 months) without coverage from insurance. Happy to pay for comprehensive insurance + regular maintenance.
Let's say we find out during regular checkup that dad needs to undergo urgent medical treatment (laser ablation to fix rapidly rising glaucoma, retinal surgery to correct detachment) the very next day. How about injury due to fall that occurs due to low vision? Will these be considered an acute onset by insurance companies such as Atlas America and Patriot? Do these plans cover urgent outpatient treatments?
Also, what will be more cost-effective: to combine high-risk and low-risk persons on single policy, or to buy separate policies for them.
While I appreciate information from Insubuy, if people other than Insubuy are reading this forum, please chip in. Such questions are important to the community and I pledge to report my honest experience.
Thanks
Eastbound
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