Parents visitors insurance

[submittedviaemail]

I would appreciate very much if you can help me with this. I am planning to purchase Visitors Medical Insurance through you for my parents who are going to visit me from India. I have gone through your websites, and generally understand the process well. But I had a few specific questions - please email me about this:

I would like to get comprehensive coverage (preferably for $500,000 coverage level) -
Questions:

1. There is a category of age 60-64 and 65-69. My father's Date of Birth is Jan 1942. So, he is 64 completed. That will put him in the 60-64 category, correct? I just want to confirm this with you, since the prices vary by age.

2. I know you mention that Protection America (IMG comprehensive) and SRI-comprehensive both are good. Can you please let me know, personally - if you were to select one - what do you typically choose? Is it IMG Protection America? I will make my own decision, but just wanted to get your personal perspective on this.

3. I live in Bay Area, California. How is the network of doctors and Hospitals for IMG Protection America in the San Jose, San Francisco area? Can you confirm if First Health PPO is the network used by IMG (since I think Stanford Hospital for example, accepts First Health PPO).

Please email me back as soon as you can. I plan to purchase the insurance from you this week, so your quick and informed reply will be appreciated.

Thanks.

[insubuy]

Thank you for your interest in purchasing health insurance for your parents.

1. Yes, he is in 60-64 age group.
2. Definitely Protection America.
3. Yes, Protection America participates in First Health PPO. Network is excellent in Bay Area. You can search for the providers at https://www.insubuy.com/img-first-health-ppo-network/
Yes, Standford Hospital participates in First Health PPO.

Also, are you the person who is posting the question in the discussion forum using the username 'kasper504'?

Please let me know if you have any other questions.

[submittedviaemail]

Hi,
Thanks for your answers. Yes, I posted the questions, and thanks for ur response.
I will review them and let you know if I have any further questions.
I have your contact info now - thanks for that, and will either call or email you if I get questions as I try to review the details of the insurance plan. Hope that is ok with you.
What is the best way to purchase after I make a decision? Should I call you or is the website secure and safe for purchasing?

[insubuy]

You can contact us at any time if you have any questions.

You can purchase it online. Web site is Verisign secure and safe for purchasing. More than 99% of our sales happen online. You can also call us and purchase over the phone.

[submittedviaemail]

One further question:
IMG says "For a complete description of Passport Protection Plus benefits, conditions, limitations, and exclusions, please see the certificate wording which is available upon request and prior to purchase. "

Could you please either give me a URL or send me an attachment in email where I can see the actual certificate wording for the Protection America plan. They say I can review it prior to purchase, so I am requesting this from you.

Thanks

[insubuy]

You can request it to be emailed to you before purchase.

[submittedviaemail]

One question regarding the below where you say that Protection America participates in the First Health PPO. When IMG sends out the Medical ID cards, will it mention "First Health PPO" on the card? Since this is the card that has to be shown to the Hospitals - I wonder if it is written on the card - if not, how does the Hospital get to know that this is the network for this plan?

[insubuy]

Yes, First Health name and logo are printed on the ID card.

[submittedviaemail]

Alrite now I understand, thanks for that explanation.
"Legalese" in these certificates is sometimes hard to comprehend , so thanks for the detailed answer you have provided.

I believe it is generally better to do separate online applications for Dad and Mom - so they are on different policy # rather than on the same application (for flexibility purposes, for later alterations etc). Is that correct?

You mentioned that I can do a secure web purchase - can you give me the URL for doing the online order...(I am asking you for the URL for purchasing, just to confirm I am going to the right website for ordering). Whenever I get some time this week, I may want to complete the purchase.

[insubuy]

1. That's right. It is better to do separate applications for each person.

2. You can make online purchase at https://www.insubuy.com/patriot-america-insurance/medical-insurance/

Please let me know if you have any other questions.