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Insurance for my visiting parents

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  • Insurance for my visiting parents

    I stay in Seattle, US. My parents are
    planning to visit me starting May 4th 2006. I am planning to buy medical
    insurance for them from https://www.insubuy.com. My father is
    69 years and mother is 66 years old. This is there 2nd visit to US. I have
    following question:

    1. Can I buy insurance for them by directly visiting your web site? or send an email to you?
    2. As they are planning to be in the US starting may 4th for 6 months,
    when should actually I buy insurance for them?
    3. Is there any copay associated with any of the plans?
    4. What happens when I take my parent to doctor for a normal visit (say
    they have cough)? Do I need to pay copay or full amount and then claim it
    later?
    5. Is there any medical insurance card issued by the company which need to
    be presented to the doctor's receptionist at the time of the service?

    Please let me know.
    Thx.
    Ramanan

  • #2
    Thank you for your interest in purchasing visitor medical insurance for your
    parents.

    1. You can either apply online or we can take your application over the
    phone.

    2. You can buy insurance at any time. Insurance can start as early as the
    next day or any future date you specify. In order to cover during travel
    time also, make the effective date one day in advnace, that is May 3, 2006.
    That means, you have to buy latest by May 2, 2006 (Eastern time).

    3. There is no concept of copay in short term health insurance.
    There are 2 types of plans:
    Fixed: Cheaper, limited. Read
    https://www.insubuy.com/guide/terms.jsp?section=fixed
    Comprehensive: More expensive, much better. Read
    https://www.insubuy.com/guide/terms.jsp?section=comprehensive

    4. That really depends.
    e.g., for fixed coverage, read
    https://www.insubuy.com/img-first-health-ppo-network/
    for comprehensive coverage, read
    https://www.insubuy.com/img-first-health-ppo-network/

    5. Yes. Please look at answer 4.

    Please let me 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

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