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Amirbam     07/13/2019 11:10 AM
 


I just got my green card base on i485 and to be honest I thought I would of never got it. . I been in deportation removal Proceeding twice, Both times I got arrested and ICE put on a hold on me while I was in the county jail.. my first arrest Was for aggravated battery with a deadly weapon, I took a plea deal I was 16yrs old so immigration couldn’t use that crime Against me.. in 2009 3years later I was 19yrs old I got arrested for possession of Narcotics and Marijuana with Attempt to sell I plea not guilty ..wen I post my bond for $3,000 ICE Had already put a hold on me😳🤦🏽‍♂️.. so immigration pick me up from the county jail 3days later.. I went thru the process for the first time @ krom in Miami.. My family Got me an Immigration Lawyer And he got me out on bond for $7500..I was out on Immigration bond and the county jail bond.. My lawyer advised me not to take a felony plea deal on the possession charges or ill be deported . After multiple felony plea offers from the State prosecutor I refuse all because I wanted to go to trail.. exactly on my trail day the Prosecutor drop the possession of narcotics With attempt to sell charge, and charge me with simple possession of marijuana less than 20grams.. I told the prosecutor to wait while I call my immigration lawyer.. my lawyer said for me to take the plea since it was a Misdemeanor not a felony and I won’t be deported so I took the plea..

In 2012 I was arrested for robbery with a firearm after spending three months in the county jail the charge was dropped, no posse.. immigration put a hold on me again
I went thru the processs again.. the first I was in immigration Custody for three months but the second time I was there for eight months.. I fired my first immigration lawyer.. I hired the best lawyer in Miami his name is Jose’ Toulon not to expensive but he knows immigration Laws real good.. the things he was telling me I was Qualify for my previous lawyer had no clue n never even mention.. after I hire José Toulon 6months later he got my removal Proceeding terminated and I was out of immigration with status.. my biggest fear came wen I had to leave the country to go to my home country n re—enter so I can get an i94.. since 2013 My lawyer(Jose) Was telling me to travel on advance parole.. I was scared so I never did.. I was waiting on immigration reform under Obama lame S. but wen Trump BECAME PRESIDENT I figure there won’t be an immigration reform. I had to man up n do what I had to do..
I marrried my wife b4 Trump Inauguration n File for advance Parole.. my first advance parole I didn’t use it Because of my criminal Record n Trump was already president b4 I got it. anyways I applied for a second advance parole in 2018 I said it is what it is.. Ima take my chance n travel I dnt care who’s President matter fact FCK THE president.. I receive my advance parole n I went straight to my home country not giving a damn.... I really thought homeland security wasn’t going to let me back in- In America but they did even with my criminal history Or background whatever they want to call it.. my i485 interview was hard a lot of questions.. I answer them truthfully about all my arrests .. I got approved on the spot.. I believe because didn’t lie to him.. and he approve my i601 waiver.. he was kinda nice. But he look like 100% redneck

 I’m sharing this Because I want everybody to take their chances No matter what.
If you have an advance parole travel, as long u not a convicted felon. It does not matter if you’ve been arrested 100 times as long you’re not convicted they cannot judge you..

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Kyekuun     07/02/2019 10:49 AM
 


I had just post yesterday talking how this process is frustrating and so November fillers this month is our month.
PD November 9 Category C
May 1st Case is ready to be scheduled for an interview
July 2nd New Card is being produced.

Total days of being jobless and depressed was 235!
No expediting or anything.

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feb2017     07/01/2019 19:47 PM
 


Hi

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aruniitk07     02/12/2019 00:36 AM
 


I have received j1 visa and my Wife is applying for J2 dependent. I would like to know if insurance is mandatory when appear for the interview. I bought my insurance after getting visa. In some websites, it is mentioned that it is compulsory to have insurance during interview even though its not mentioned in the offcial site.

Please someone help!

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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
 


Email from a customer
------------------------------------

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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