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Could the visitor insurance companies be trusted?
Hi,
I am really concerning about buying insurance plans for my wife and kid who are on F-2 visa. Some potential plans that come up are Atlas American (by HCC), Patriot America and Patriot Exchange (by IMG) because these plans are quite cheap and have quite good coverage.
The problem is that I read many reviews on other pages saying that these companies could not be trusted and these plans are all scam. All bills will be denied due to pre-existing condition reason (or worse, no reason).
The same scenarios are here in this forum. The difference is that there is an involvement of Insubuy and then most of bills are solved.
My question is:
- I don't understand why the procedure for claiming is clear and insured follows it with full medical records, the claims are still be denied. If so, then how will insured be protected, legally, in such cases?
- And by which way could Insubuy facilitate the claiming process and help in the payment, easily seemingly?
Thank you
I am really concerning about buying insurance plans for my wife and kid who are on F-2 visa. Some potential plans that come up are Atlas American (by HCC), Patriot America and Patriot Exchange (by IMG) because these plans are quite cheap and have quite good coverage.
The problem is that I read many reviews on other pages saying that these companies could not be trusted and these plans are all scam. All bills will be denied due to pre-existing condition reason (or worse, no reason).
The same scenarios are here in this forum. The difference is that there is an involvement of Insubuy and then most of bills are solved.
My question is:
- I don't understand why the procedure for claiming is clear and insured follows it with full medical records, the claims are still be denied. If so, then how will insured be protected, legally, in such cases?
- And by which way could Insubuy facilitate the claiming process and help in the payment, easily seemingly?
Thank you
All Replies (3)
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