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Ask Our Specialists

All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:I am being denied to see a vein specialist- but it was the main reason i got insurance I was very clear when i signed up, and was told i could see a specialist for veins. But for 6 months i have been unable to find any doctor that takes First Health with my plan. BEYOND frustrating, and prolonging health issues. please help me understand what doctors i can see that are covered for vein specialist? thank you

A:
If you are having issues locating a specialist that bills directly you can pay out of pocket and file for reimbursement. you can also call the phone number on the back of your ID card to speak with the insurance company reguarding locating a provider.
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Q:My French friend has a weak heart muscle and takes medication to regulate her heart rate to reduce stress on the heart. This condition is from birth and probably inherited. She has been stable for more than a year. If she has a sudden heart attack/issue, would she be excluded from coverage

A:
Most of the plans with the acute onset of pre-existing conditions do exclude congenital conditions.
{{currentOrigin}}/answers/visitors-medical-insurance/condition-is-from-birth-and-probably-inherited-she-has-been-stable-for-more-than-a-year-36732/

Q:Which urgent care can I go to under the plan

A:
You can verify if your plan has an account in your account of by calling the insurance phone on the back. If your plan has no netowrk you can go to anyone.
{{currentOrigin}}/answers/visitors-insurance-usa/which-urgent-care-can-i-go-to-under-the-plan-im-on-zip-code-77346-44354/

Q:How to find my in network emergency or urgent care

A:
By logging into your MyAccount you can review the PPO provider directory and find doctors in your area.
{{currentOrigin}}/answers/international-travel-insurance/how-to-find-my-in-network-emergency-or-urgent-care-39585/

Q:I am 76 now and will be 77 in January. I will visit the USA in January for 4 weeks.I had tachycardia a year ago which was treated with a cardiac ablation in February. No angina and no problems since then. (I play golf twide a week). My blood pressure is successfully controlled by 2 drugs.Would I be covered if I had any cardiac problems whilst I am in Arizona?

A:
Hello, Most travel medical insurances don't cover pre-existing conditions. there's only 1 plan cover pre-existing condition. It's Visitors Protect. you can view the plan at the following link: /visitors-protect/visitor-insurance/ and this plan has 90 days minimum duration coverage requirement. it also not extendable. if you have any question, please feel free to contact us. Thank you, GF Insubuy.com
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Q:I would like to purchase medical insurance for my mother in law while she visits from China. She has already entered the US, so I am curious can I still purchase insurance during her stay? or does the insurance has to be purchased prior to her arrival?

A:
Hello Thank you for contacting insubuy. and how long has she been in the U.S.? what type of visa that she has? you can get a quote in the following link: /get-travel-insurance-quotes/?presection=visitorUSA Please feel free to contact us at 866-467-8789 Thank you, GF Insubuy
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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