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  • health insurance for parents with green card visa

    My father is 64 y.o and my mom is 54 y.o., i already purchase their ticket and they will arrive here in NC USA next month May 22, 2013... and i am so confused what health insurance to buy. I am considering Atlas america because they cover sudden onset of pre existing condition but i read so many bad reviews ... I read about patriot america and these bridge plan. I need Help! i want them have insurance when they get here...

  • #2
    New immigrants or greencard holders are not eligible to purchase Atlas America.

    You should either purchase Patriot America or Bridge Plan. However, Bridge plan is available only to the people who are 60 years and above.

    Please let us know if you have any other questions.
    Thanks & Regards
    Insubuy
    Toll Free: (866) INSUBUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: http://www.insubuy.com

    Comment


    • #3
      Breaking News:

      We just came to know that Patriot America will soon provide the coverage for 'Sudden and Unexpected Recurrence of Pre-Existing Conditions' up to $50,000 for people below the age of 65 years and $2,500 for 65+.

      We don't know the exact details yet as they are still being prepared. Documents are not ready yet anywhere.

      As soon as they are available, we will update our web site and announce it here.

      Please note that this coverage is NOT available as of yet, but is expected to be available soon.
      Thanks & Regards
      Insubuy
      Toll Free: (866) INSUBUY
      Local: (972) 985-4400
      Fax: (972) 767-4470
      Website: http://www.insubuy.com

      Comment


      • #4
        Most likely to go live on May 2. Not 100% sure yet.

        We will update it here once it goes live.
        Thanks & Regards
        Insubuy
        Toll Free: (866) INSUBUY
        Local: (972) 985-4400
        Fax: (972) 767-4470
        Website: http://www.insubuy.com

        Comment


        • #5
          I just read that bridge plan is not available here in North Carolina .. Whats the difference between patriot america and patriot platinum? They look the same to me just tired and confused i guess. Help!

          Comment


          • #6
            For your parents age group,

            Patriot America - You can choose policy max $50,000, $100,000, $500,000 or $1,000,000
            Patriot Platinum America - You can choose policy max $1,000,000, $5,000,000, $8,000,000

            In network coverage:
            Patriot America: After deductible, pays 90% to first $5,000, then 100% to policy max.
            Patriot Platinum America: After deductible, pays 100% to policy max.

            If you choose $1,000,000 policy max at insubuy.com, you will see both plans and you can compare them side by side.


            New Patriot Plans (with the changes described in this thread) are not live yet. We are told again today that expected date is tomorrow, May 3.

            Please feel free to post here or contact us at any time, if you have any more questions.
            Thanks & Regards
            Insubuy
            Toll Free: (866) INSUBUY
            Local: (972) 985-4400
            Fax: (972) 767-4470
            Website: http://www.insubuy.com

            Comment


            • #7
              Originally posted by insubuy View Post
              New immigrants or greencard holders are not eligible to purchase Atlas America.

              You should either purchase Patriot America or Bridge Plan. However, Bridge plan is available only to the people who are 60 years and above.

              Please let us know if you have any other questions.
              Thanks for your quick response,
              Why they are not eligible to buy Atlas america? ... Yes they have green card visa, its their first trip here in the USA, so we are not sure if they will stay for good, we hope they will...

              Comment


              • #8
                Atlas America covers outside home country. And they consider that green card holder's home country is United States, irrespective of circumstances. Therefore, you can't purchase Atlas America to purchase coverage in the US for green card holders.

                On the the other hand, Patriot plans allow you to designate your home country, especially in your case they are not even in the US yet. Therefore, their home country can be India.
                Thanks & Regards
                Insubuy
                Toll Free: (866) INSUBUY
                Local: (972) 985-4400
                Fax: (972) 767-4470
                Website: http://www.insubuy.com

                Comment


                • #9
                  New Patriot America and Patriot Platinum America are live as of some time yesterday.

                  You can look at them at https://www.insubuy.com
                  Thanks & Regards
                  Insubuy
                  Toll Free: (866) INSUBUY
                  Local: (972) 985-4400
                  Fax: (972) 767-4470
                  Website: http://www.insubuy.com

                  Comment


                  • #10
                    Thank you for your help!... I will buy patriot america soon after i check some few things.

                    Comment


                    • #11
                      Hello again;
                      I just realized that my dad will turn 65 in June this year, so if i buy patriot america, then the sudden acute onset of pre existing condition will only cover $2500. Can i buy 2 policies? One from patriot america since they can have up to 1 million of coverage and a comprhensive plan and 1 from inbound immigrant since they cover sudden acute onset of pre existing up to the maximum policy which $100,000. If i understand it correctly.
                      So can i carry 2 policies for my Dad?

                      Comment


                      • #12
                        If you buy two policies, both will be considered secondary to each other. In that case, both companies will ask you to claim from the other company first. Eventually, they will end up doing coordination of benefits. Whether it may work to out to be good or not is questionable and may vary on case by case.

                        Therefore, we generally don't recommend two policies. But you are not prohibited from buying two policies.
                        Thanks & Regards
                        Insubuy
                        Toll Free: (866) INSUBUY
                        Local: (972) 985-4400
                        Fax: (972) 767-4470
                        Website: http://www.insubuy.com

                        Comment


                        • #13
                          Did i understand it correctly that inbound immigrant covers the sudden acute onset of pre existing condition up to the maximum policy which is $100,000.?

                          What plan do you recommend for 64 years old man going 65 this June with pre existing condition from the Philippines going to North Carolina with a resident visa/ green card visa.? Preferably with 1 million coverage low deductible...

                          Thank you very much for your help!

                          Comment


                          • #14
                            1. Yes

                            2. Patriot America
                            Thanks & Regards
                            Insubuy
                            Toll Free: (866) INSUBUY
                            Local: (972) 985-4400
                            Fax: (972) 767-4470
                            Website: http://www.insubuy.com

                            Comment


                            • #15
                              The insurance i bought from you is gonna expire next month.. Nov. 21. I still dont know whats going on with obamacare. So i was wondering when is the last day that i can still renew my parents insurance? Tnxs!

                              Comment

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