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Help me understand - acute onset of pre-existing conditions

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  • Help me understand - acute onset of pre-existing conditions

    Hello,

    I have parents visiting from India
    Father age - 66
    Mother age - 65

    Both have pre-existing condition - diabetic, blood pressure

    As I understand there is no plan which will cover pre-existing conditions.
    But some plans cover acute onset of pre-existing conditions.
    I want to know
    1. How insurance company decides if it's acute onset or not?
    2. in case of Acute-onset, will insurance cover required tests?
    2. After paying deductible, does it works like normal insurance in US where hospital bills directly to insurance company if in network?
    3. If i get into problem with claims, where I need to contact? Insubuy?



    Thank you,
    Last edited by vishal27580; 11-10-2016, 10:31 AM.

  • #2
    1. Read https://www.insubuy.com/visitor-insu...ng-conditions/
    2A. It will cover whatever is medically necessary.
    2B. When you purchase the plan that participate in PPO network, the hospitals will directly to the insurance company.
    3. If you have any problems with the claims, Insubuy can help.
    Thanks & Regards
    Insubuy
    Toll Free: (866) INSUBUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: http://www.insubuy.com

    Comment


    • #3
      Thank you for quick reply.

      Comment


      • #4
        Why I can not buy coverage of 75000 to 85000 for my parents of age 66?

        Comment


        • #5
          Could you please tell me exactly all the input criteria you entered so that I can find it out for you?

          Most likely reason is that you want comprehensive coverage plan and no plan exists in that policy maximum range.
          Thanks & Regards
          Insubuy
          Toll Free: (866) INSUBUY
          Local: (972) 985-4400
          Fax: (972) 767-4470
          Website: http://www.insubuy.com

          Comment


          • #6
            Originally posted by insubuy View Post
            Could you please tell me exactly all the input criteria you entered so that I can find it out for you?

            Most likely reason is that you want comprehensive coverage plan and no plan exists in that policy maximum range.
            Citizenship - Non-US Citizen
            Coverage area - USA and during Travel
            Policy maximum - 70000 to 85000
            State - Texas
            Start Date - 11/15/2016
            End date - 01/23/2017
            Age for both - 65 to 69
            Arrival in US - yet to arrive

            Comment


            • #7
              I entered the same criteria and I found 4 products, all fixed coverage plans.

              Did you initially see any of those plans and then clicked on 'narrow search' and selected 'Comprehensive', by any chance?

              Once you visit https://www.insubuy.com, also click on 'Reset' button and try again.

              If you still don't see any plans, please call our office and we would be glad to help you further.
              Thanks & Regards
              Insubuy
              Toll Free: (866) INSUBUY
              Local: (972) 985-4400
              Fax: (972) 767-4470
              Website: http://www.insubuy.com

              Comment


              • #8
                Originally posted by insubuy View Post
                I entered the same criteria and I found 4 products, all fixed coverage plans.

                Did you initially see any of those plans and then clicked on 'narrow search' and selected 'Comprehensive', by any chance?

                Once you visit https://www.insubuy.com, also click on 'Reset' button and try again.

                If you still don't see any plans, please call our office and we would be glad to help you further.
                Yes I did filter on comprehensive plan

                Comment


                • #9
                  Please try '$100,000 to $125,000' policy maximum.
                  Thanks & Regards
                  Insubuy
                  Toll Free: (866) INSUBUY
                  Local: (972) 985-4400
                  Fax: (972) 767-4470
                  Website: http://www.insubuy.com

                  Comment


                  • #10
                    Originally posted by insubuy View Post
                    Please try '$100,000 to $125,000' policy maximum.
                    I checked that and seems like restriction, either can buy below 70000 or above 100000 - 125000 but no option to select 70000 to 85000

                    Thank you,

                    Comment

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