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Prescription drug discount card for pre-existing conditions

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  • Prescription drug discount card for pre-existing conditions

    Hi, I am planning to buy Insurance for my parents. They are immigrating to US. I am thinkging to go with 100,000 max policy, 80/20 and 1000 deductible. I checked your website and seems like Protection America also has a prescription discount card. Can that card be used for the pre-existing conditions? Also their official address is in Ohio but they will spend most of the time in Minneapolis. Which state should I select while buying the insurance? Awaiting your reply, Thanks,

  • #2
    Yes, you can use the prescription drugs discount card for pre-existing conditions as well. Please look at https://www.insubuy.com/universal-rx/ to see which drugs are covered at what cost.

    You don't have to select any state. Insurance is valid everywhere in the US, except FL addresses.

    You can make instant purcahse online at https://www.insubuy.com/patriot-america-insurance/

    Please feel free to contact us at any time 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

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    • #3
      I am trying to purchase the protection america online. I am just wondering if it is possible for me to pay the insurance monthly instead of paying the whole premium at once.If so, is there any additional charge?

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      • #4
        You can pay monthly without paying anything extra.

        Instead of putting mutliple months, you just specify one month at a time and then you renew the insurance at https://www.insubuy.com/img/renewal/
        Thanks & Regards
        Insubuy
        Toll Free: (866) INSUBUY
        Local: (972) 985-4400
        Fax: (972) 767-4470
        Website: http://www.insubuy.com

        Comment


        • #5
          My Parents are coming here on Green Card. Will they be eligible for the Domestic Insurance like Fortis? The coverage seems to be better as they cover preventive and pre-existing? Please advice.

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          • #6
            They can buy insurance like Fortis (now called Assurant Health) after you they have been staying in the US for at least 1 year on green card and as long as they are younger than 63.5 years of age.

            We have Assurant products available at http://www.domesticinsuranceusa.comh...cal-insurance/. However, they will much more expensive. Also, not all people with pre-existing conditions are accepted. And even if they are accepted, pre-existing conditions coverage is not immediate.
            Thanks & Regards
            Insubuy
            Toll Free: (866) INSUBUY
            Local: (972) 985-4400
            Fax: (972) 767-4470
            Website: http://www.insubuy.com

            Comment


            • #7
              Thanks for the prompt reply. One more question, if I renew each month, would that affect the Deductible? Would the deductible amount restarts for each policy period ( in this case each month) or is the deductible counted for 6 months?

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              • #8
                Deductible is annual.
                Thanks & Regards
                Insubuy
                Toll Free: (866) INSUBUY
                Local: (972) 985-4400
                Fax: (972) 767-4470
                Website: http://www.insubuy.com

                Comment


                • #9
                  sorry to bug you like this...if i pay premium for 6 months and if i want to cancel on the second month, would i get refund ? Do you charge any cancellation fee?

                  Comment


                  • #10
                    No problem at all.
                    In Protection America, if you cancel early, you will get the refund for fully unused months minus $25 cancellation fee, as long as no claims have been filed since the effective date.
                    Thanks & Regards
                    Insubuy
                    Toll Free: (866) INSUBUY
                    Local: (972) 985-4400
                    Fax: (972) 767-4470
                    Website: http://www.insubuy.com

                    Comment


                    • #11
                      I am just trying to decide between paying monthly vs full payment at once.

                      If I do decide to pay monthly, and suppose treatment starts after the first 15 days of purchasing the policy and if the treatment is needed for unknown time, would the insurance continue to cover if I renew it every month?
                      NARENDRA>>>Yes, as long as it was covered expense in the earlier month and as long as you renew before it expires.

                      Is there any advantage by paying the premium at once?
                      NARENDRA>>>Not really. Only thing is that you need to remember to renew it every month. You get reminders in the email. But finally it is your responsibility to renew it.

                      I really appreciate your help.
                      Thanks & Regards
                      Insubuy
                      Toll Free: (866) INSUBUY
                      Local: (972) 985-4400
                      Fax: (972) 767-4470
                      Website: http://www.insubuy.com

                      Comment

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