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hawke     07/19/2018 10:35 AM
 


Hi there -

1) does anyone know what it means that my FO (26 Federal Plaza) needs to fill 200 spots in order to do an oath ceremony?

Background: I went to 26 Federal Plaza for an infopass to get a status update and an IO told me that since my interview was about a month ago it is still too soon for an oath to be scheduled because "they need 200 people" - I have no idea what that means and why it would be so hard to fill that many spots in a location like NY.

2) Also, the IO said my case was approved but that it was awaiting a signature from another group - what does that mean? It didn't sound like it was the usual IO supervisor review, as the person said the case was actually approved but needed "final verification" by another group who sign off on cases. The IO said they estimate it takes 30 days to finalize. I wonder if this has to do with a final background check or because of a name change?

I have not heard of any of these experiences from anyone on these boards but please let me know if you have heard of this?

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Raj_MN     06/05/2018 00:10 AM
 


BACKGROUND:

I generally purchase visitor’s medical insurance for my parents and in laws when they visit me in the United States once a year, so 4 plan purchases a year.
I’ve used a couple of other brokers in the past and have been disappointed in product knowledge and level of service, until I found Insubuy.
Since I found about Insubuy from a friend, I’ve been purchasing from them over the past few years.
I’ve never had to invoke the after sales service until my mom fractured her arm and we had to use the visitors medical insurance. This is the specific example mentioned below.

SPECIFIC EXAMPLE THAT HAS PROMPTED ME TO WRITE THIS REVIEW:

The insurance company covered the injury as per the terms of the plan, with the significant exception of the associated physical therapy. You would think that it should be covered if the ER visit was covered as well as the doctor’s visits, even more so if it was in network for everything (I had checked everything out before purchasing the plan, with Insubuy’s help), but it doesn’t seem to work like that.
The insurance company stiffed me for about 2900 dollars’ worth of physical therapy, but covered the 3500 dollars of the ER visit and associated CT scan, X-rays, etc, as well as a few hundred dollars’ worth of doctor’s visits.
I checked with the provider and it turns out they used the correct billing codes. However, although PT and OT are handled the same way by US insurance companies for US residents, visitors medical insurance chooses to only cover PT (which means getting an actual prosthetic, which only reflects about 10% of the cases).
You would think that after an in network doctor takes X-Rays in network and provides PT instructions to an in network PT provider, the associated PT would be covered. Turns out that it’s not, or more accurately, the insurance company chose not to.
I contacted Insubuy and they asked me to send over all the associated paperwork (explanation of benefits, claim denials, provider bills and so on). I also discussed the situation with Jagruti and Fallon. Jagruti is on the sales side, she mentioned they represent the customer (as in, me). Lyle helped me fill out the paperwork. Fallon is the insurance claims person and she connected with the insurance company. A couple of weeks later, the insurance company covered it all, subject to the terms of the deductible. This was Fallon going out of her way to help me get a positive outcome and I am very grateful.

The reason I’ve excluded the insurance company’s name from this review is because it doesn’t matter. What does matter is the fact that Insubuy (specifically Fallon, Jagruti and Lyle) helped fix a very expensive situation for me. I did read reviews about instances of Insubuy helping customers in similar situations (where the insurance company stiffs the customer), but having experienced it myself is frankly awesome.

A US insurance company is unlikely to engage in shenanigans of this sort, for obvious regulatory reasons. However, it seems that providers of visitors medical insurance have greater latitude or perhaps interpretation, of coverage. My only advice to you is to read EVERY word of the benefits agreement. Oh and definitely take the advice provided by the Insubuy sales reps! LOL that goes without saying.

PROS OF INSUBUY:

• Excellent Product knowledge (they know more about the products they sell, that many of the insurance company benefits representatives themselves……this was weird!)
• The representatives I’ve worked with are Russell, Amanda, Lyle and Jagruti. I know I’ve missed a couple of names who were really good as well. I’ve never found any of Insubuy’s reps to not know stuff off the bat; they really do know all the nuances of every plan. This was surprising, when I first connected with them a few years ago.
• Their recommendations were tailored to fit my individual needs (my parents and in laws vary in age and the corresponding plans available varied by max policy coverage, among a couple of other variables)
• A good website that actually can price on the spot; it obviates the need to even call customer service on many occasions
• They work for the customer, not for the insurance company
• Excellent after sales service (as per the specific example mentioned above).

CONS OF INSUBUY:

• I really didn’t find any. In general, with any insurance broker, you can usually find a couple of customer service reps who don’t know as much, or the response time is poor, or perhaps they disappear after the product is sold (a rather common situation).
• However, none of these apply…..I’m frankly surprised at the stellar level of service.
• In short, I’m impressed.

In general, the overall customer service and product knowledge alone is why I have been recommending Insubuy to my friends, relatives and neighbors over the past few years.

However, after the situation I’ve outlined above, this level of after-sales service is the reason why they have me as a customer for life.

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pvent     07/14/2017 17:43 PM
 


Sometimes the difference is made not only by the insurance you choose but the broker that sells you the policy. On Dec 2016 my mother had a medical problem in NYC (I've purchased the policy for her a couple of months before her trip). I submitted the claims to the insurance company and only after I decided to involve INSUBUY the reimbursement was paid. Thank you for all your help.

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pvent     07/11/2017 11:01 AM
 


THEY ARE VERY NICE PEOPLE AND THEY ANSWER ALL YOUR QUESTIONS. HOWEVER THEY DON'T PAY YOUR CLAIMS. I HAVE A DOCTOR'S OFFICE VISIT IN NEW YORK AND THEY DIDN'T EVEN PAY FOR THE PHARMACY EXPENSES. YOU WILL SUBMIT YOUR CLAIMS AND THEY WILL ASK FOR MORE AND MORE INFORMATION. THEY WILL LOSE SOME OF THE INFO AND YOU WILL NEED TO RE-SUBMIT YOUR CLAIM. DO NOT BUY THIS INSURANCE, YOU THINK YOU ARE INSURED BUT YOU ARE NOT.

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insubuy     05/07/2017 11:55 AM
 


Customer review
----------------------------
After comparing Insubuy with a few others we are satisfied with having bought my dads insurance since her is travelling from India and we are convinced that you guys were very clear with info and Amber was very helpful!!
Thanks

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insubuy     05/07/2017 11:53 AM
 


Email from a customer
--------------------------------------
Hello Management:

Just a quick note to say that, I had a great experience with your agent Teresa (Xtn 113), who have excellent service:
- explaining my options to me, and to understand the differences in coverage
- helping me narrow down my choices
- helping me make the right choice (hopefully).

I just bout a near $3000 visitors health policy for my parents, and she helped me make that decision in comparison to others that I was contemplating online for just a $1000.

Regards,
Anand R

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insubuy     05/03/2017 16:53 PM
 


I would like to take the moment to appreciate the help she provided regarding my insurance card. She has good understanding about product you offer and her follow up was quick.

You should have more of these kind of people to increase your business.

Daksha

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insubuy     05/03/2017 15:34 PM
 


Gentlemen,

I just hung up with a "Lady -name Theresa" in your office.

I'm a "Senior citizen" and the service Theresa provided is so uniquely excellent that I had to take time and have to write this!

I hope all other in your business will emulate her example of service!

Please thank her on my behalf

Mr Ravinder K

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karthik101     05/03/2017 13:09 PM
 


Hi
Wanted to share my experience with Insubuy and how they help. When my Mom's medical claim was denied by the insurance due to the fact that the provider submitted after 90 days timelimit, I reached out to Insubuy claims issue resolution team for assistance to reconsider the claim.

Fellon from that team at Insubuy reached out to me and promptly coordinated with the insurance to explain my situation. She was able to convince them and help that claim reprocessed.

I really appreciate the help from Insubuy

Thanks
Karthik


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insubuy     05/02/2017 17:25 PM
 


Email from customer
----------------------------------
Hi,
I called customer service today to seek advice for the best visitor's insurance coverage options for my parents visiting US from India. I was helped by your customer service representative, Lyle.
Lyle was very courteous and patient with me. He advised Safe travels USA comprehensive option for my father, who is 78 because of better coverage for sudden acute onset of preexisting conditions for his age group. He also advised Atlas America for my mother, who is 64 as one of the best cost/coverage combination for her age group.

I went with his advice and bought the above two policies through your website. I really appreciate Lyle's help to select the right insurance options for my parents.
Thanks
Anil

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