Health insurance for my fiancee

[submittedviaemail]

I've read Immihelp.com and learn a few bit of useful info regarding health insurance for foreign visitor. Unfortunately, I'm still somewhat confused and unsured about what would be best for my situation, given myriad of choices out there. I hope maybe you can guide me through the decision process. Here is the specific. The insurance will be for my fiancee and she will come here in about two weeks time. I cannot add her to my current insurance policy until we're officially married later. Hence, I'm looking for a temporary health insurance coverage for 2 months only. She was born in Oct 1979 which makes her 29 years of age. She is in good physical health and have no medical preconditions to speak of.
1) what would be your honest opinion as far as fixed coverage vs. comprehensive coverage go
2) what's exactly are the differences between the Patriot America vs. Protection America other than the renewal option. The premiums they quoted is quite a difference! 3
) What about Atlas America, Visit USA and World Med? Now you understand where the confusion comes from!
4) I managed to find other provider of similar plan at **** *** and they're using the same PPO as yours but at a discounted premium. More choices and confusion!!
Regards,

[insubuy]

1. Fixed coverage plan is never enough. Always buy comprehensive.
2. That is the only difference.
3. Atlas America is can be purchased only before she arrives here and not after that. Visit USA is not renewable but otherwise good option and 80/20 coinsurance only. WorldMed is good for people above 70 years of age. For younger people, other better options such as Patriot America are available at cheaper price.
4. I can't really comments on the plans that we don't sel.

Please let me know if you have any other questions.

[submittedviaemail]

Narendra,

Thanks for the quick reply.

I wish your web site can allow buyers to compare the different plans side by side. It is just difficult to read through all those descriptions and the more I read the more I get lost. Can you summarize the major differences in benefits among the three different plans for me. They're Patriot America, Atlas America and Visit USA. In addition, are they all go through the same PPO and seems none of them offers any coverage for medicine right?

Great thanks,

[insubuy]

1.
Our web site of course allows buyers to compare the different plans side by side.

Please visit https://www.insubuy.com/ and enter the details such as age, start date, end date and you will see the products listed. Next to each plan, there is a check box and and then at top and bottom, there is an orange color button called 'Compare'. That would allow you to compare them side by side.

2.
Patriot America - First Health PPO
Atlas America - Hygeia PPO
Visit USA - MultiPlan PPO

Look at https://www.insubuy.com/visitor-insurance/
Next to each plan, there is a link 'Provider Directory'.

3.
That's not right. Prescription drugs are covered just like any other medical expenses.

Please let me know if you have any other questions.

[submittedviaemail]

Thanks for prointing that out and it is a very helpful feature. Speaking of PPO, which one is better from your experience in terms of network coverage, service and availability, First Health, Hygeia and Multiplan.

And again from your experience, which of the three plans offers the best experience for your previous clients when it is time to make a claim. I realize the quality of service from the plan administrator will make a difference too.

Regards,

[insubuy]

All 3 administrators are excellent.

As per PPO, they are best in the order of First Health, Multiplan and Hygeia, with first one mentioned being the best.

[submittedviaemail]

Thanks very much and you're extremely helpful. Once we decide on the coverage period we can go right ahead.

I suppose I can order the coverage online through your website?

Regards,

[insubuy]

You are welcome.

Yes, you can order online at our web site https://www.insubuy.com

Please feel free to contact us at any time if you have any other questions.

[submittedviaemail]

One last question on Patriot America, is the premium based on per day basis? The reason I'm asking is I realize some plans out there have their premiums based on every five days, for instance.

Thanks,

[insubuy]

Yes, per day basis.