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

Q:Is First Health PPO health insurance real legitimate health insurance and is it considered MEC (minimum essential coverage) for NJ to avoid the tax penalties?

A:
The plans in our website simply borrow from the same network as first health PPO. These plans are not ACA complient and do not apply to your taxes.
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Q:My boyfriend who live in Sweden has a peace maker and an ICD and he is going to Florida for the holidays. Do you have a medical insurance that covers his condition?

A:
We have plans that can cover him for an unexpected issue that occurs during his stay. The plans do not however cover if he is traveling for the specific purpose of receiving medical treatment. Visitor plans:/get-travel-insurance-quotes/?presection=visitorUSA ;
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Q:Is mammogram and gynic related are covered as preventive care or general physician visit?

A:
They are unless they are specifically to diagnose and treat a new illness or injury that did not exist in the body before the start date of the policy.
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Q:Will Exchange Guard covers F1 OPT student? If already pregnant then is it considred as Pre-Existing or will pregnency for first 26 weeks covers?

A:
Exchange guard covers complications of pregnancy up to the first 26 weeks regardless of pregnancy status during the purchase. The plan is available to all iterations of the F-1 visa including OPT.
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Q:can i get bloodwork done through this type of insurance? will it provide me with any benefits?

A:
The plans we offer are similar to short-term health insurance. These plans are primarily designed to cover someone for new illnesses, injuries, or accidents that did not exist in the person's body before the start date, They will not cover general treatment for pre-existing conditions preventive care, or routine maintenance. The bloodwork cannot be preventive care and has to be part of a new illness or injury to be covered,
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Q:My mother who is 73yo is coming on December to Virginia USA.Do I need to get her a visitor insurance in advance or I can do it when she arrived Does it cover Patient first urgent care or there is specific hospital or urgent careIs it also renewable in case she extend her stay thank you

A:
Whan purchasing a visitor plan, you can look up what netowrk it uses and what doctors are available. If you can enter your information in this link we can quote you all of our available plans, Visitor plans /get-travel-insurance-quotes/?presection=visitorUSA
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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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