Visitors Insurance

My mother in law was on Atlas America (HCCMIS), bought through Insubuy. We got a lot of help from Insubuy.com , who helped guide us through a successful appeals process after the initial claim was denied by HCCMIS.

Personally we are not very happy with the insurance company. They denied the claim just because she had a history of that problem (but it was not a pre-existing condition). Then if we call them directly, it takes too long for them to respond. Once we decided to file the appeal, we contacted Insubuy, and that is when things started happening.

Also, the appeals process took very long, we were asked to wait 60 days for appeal response. It took close to 75 days (again fault lies with Insurance company, not Insubuy who in fact pushed them for a speedy response), and in the meanwhile we started getting borderline threatening collection calls from collection agencies for the hospital and doctors bills.

We are however very happy with the services of Insubuy. Do not get visitors insurance from anywhere else, you can be left in a lurch! Insubuy does not abandon their clients after the insurance has been purchased. We are not sure what we would have done if we did not have them in our corner, as a bill in the excess of $36,000 for hospital and labs was denied by the company.

The reality is that HCCMIS is actually one of the better insurance companies, and in the end, they did pay up after we provided additional evidence on appeal. But whichever insurance you buy, go through Insubuy.