Protection America vs WorldMed for new immigrants

[submittedviaemail]

Hi Narendra,

My mom is 59 and just arrived in US. She is generally healthy and has no serious illnesses. She is going to become Permanent Resident, so I want to get a long term and stick to it for 3+ yrs to get over the preexising hurdle.

1. Which one is better, I am considering Protection America vs. WorldMed?
2. Should I chose $100 or $500K? If I choose $100K and then change to $500K, will it be considered new policy and hence the clock starts all over again for preexising?
3. If I go from $2500 to $1000 deductible, will it be treated as a new policy?

Thanks,

[insubuy]

1. Green card holders are not eligible to purchase WorldMed. Therefore,
Protection America is a clear choice.
2. Either one is fine. Your understanding is correct.
3. Yes.

[submittedviaemail]

Narendra,

Thanks for the quick reply. If I buy 12 months Protection America from your website can it be cancelled?

Does the rate change once the policy holder becomes 60?

[insubuy]

1. Look at the cancellation rules at

https://www.insubuy.com/clients/

2. Yes, only when you renew after turning 60.

[submittedviaemail]

Final questions, I promise

1. Can my mom continue Protection America policy after she gets Green Card and SSN or will I have to apply for new policy again?
2. Can I get a policy for 12 months, but pay monthly?

[insubuy]

1. Yes, she can continue until she is US citizen or 3 years, whichever comes first.
2. Buying and paying is one and same thing. If you want to buy for 12 months, you pay for 12 months upfront. If you want to pay monthly, buy for 1 month and renew monthly, at no extra charge. Renewal link is available at https://www.insubuy.com/clients/.

[submittedviaemail]

If I am buying long-term, is Patriot America better option as it is cheaper with same coverages?

[insubuy]

Few differences:
Patriot America is 2 years vs. Protection America is 3 years.
Patriot America is minimum 3 months initially while Protection America can
be renewed monthly.

Choose one accordingly.

[submittedviaemail]

Narendra,

I bought Patriot America from your website for 1 yr.

Why can't buy longer than 12 months?
Is it considered new policy after 3 yrs or can I continue to renew on the
policy?

Thanks,

[insubuy]

1. That's the rule.

2. Yes, new policy after 2 years in Patriot America.

[submittedviaemail]

If it is a new policy after 2 yrs, then I assume it resets the preexisting conditions clock. There is no way to overcome that?

[insubuy]

You are right. There is no way.

Only other option is to buy the bridge plan, available for 5 years.

https://www.insubuy.com/new-immigrants-health-insurance/