Insurance Experiences

Hello all,

I have got married recently in december. and my wife is travelling to USA later this month on F2 visa. I would like to buy an health insurance for her in USA. The problem i have is finding out an insurance company that will cover her pregnancy. She did not have a valid visa till the start of this month so i could not add her to my insurance as dependent. Can any one suggest me a health insurance company that can insure her.

First of all, I am sorry to hear that you are not getting paid as what you expect.
I think it is very important for you and any one else to understand the coverage and benefits of the policy. Inbound USA is a LimitedCoverage plan, which cost you less money to buy BUT also has less benefits, so based on what you have said in your post InboundUSA has paid you some amount but not full amount and the reason is obvious since it is a limited coverage plan.
read here for more
http://www.path2usa.com/insurance/visitors-insurance-type.htm
look at the plan details and you will see that claims are paid as per the policy
http://www.path2usa.com/insurance/plans/inboundusa/brochure/planbrochure.htm

If you still have questions, please contact me directly at rajeev@path2usa.com and I will help you understand, and if it found that you are not paid for any eligible claims, I will work with insurance company to gt it resolved for you.

I hope this helps...

My father was insured by Inbound USA and I got this policy through you.I have previously purchased this plan for my parents and my in-laws but no one needed any medical treatment that time.
My father had an accident with head injury after falling down and was taken to doctor in his recent visit to USA.I sent the bills to Seven corners and only few hundred dollars were paid.We are getting calls and letters from providers for unpaid bills.I want you to take this matter seriously and take action against seven corners otherwise your reputation is at stake. I dont want this to happen to other people who are travelling to USA through Seven Corners with the intent they are insured and safe which they are not.This is for your information to advice and help and in the mean time we are sending letter of appeal to them.

Inbound USA is a limited coverage plan which basically provides ONLY basic medical benefits. It is a cheaper plan and hence limitation on benefits.

Based on what I understood from your posting that, the claim is not denied but under processing, so it would be too early for you to reach on any conclusion. Many times it is not possible for insurance company to promptly process your claim because of the fact that it there are lots of dependencies and unless insurance company get all the information they can not release the money.
As far as I know any insurance company will pay you under the conditions the policy states if it a qualified claim.
On the side note - I would encourage you to talk to claims dept. again.
It also very important for every one to understand that benefits, conditions and limits before you purchase. Many people looks at the price when they buys the insurance and later when time comes to use it they expect that it should cover all of it ..which may not be possible.

Wanted to share my personal experience with Inbound USA. I got the same for my father and renewed it twice. In month of August 2007 he had a breathing trouble and I took him to a heart specialist since the symptoms looked he had heart trouble. Anyways we raked in a bill of about 600$. The doctors wanted to do more tests but I didn't want to take a chance on spending versus value add. The doctor said my father can travel. So I just sent him back to India for further treatment.

The claim was first sent by the doctor to Inbound USA. A month later I received a form requiring me to fill in a claim. I was asked to also send Dad's passport copy. I sent that. And waited. Another month I get another claim form and rejection notice asking me to submit office notes. I had to pay to doctors office again to get those notes! I wonder why I wasn't asked beforehand or the doctor's office itself wasn't asked for that info. Since they submitted the expense.
I sent these and now I am again waiting ....

I just paid the doctors fees not waiting further. Hoping I'll get the reimbursement but nothing has happened so far.

I remember calling Inbound USA and the person wasn't that co-operative. She always said they ... and not We. i.e She didn't represent Inbound ...

Well In general not happy and probably would never buy this insurance nor recommend it to anyone. Imagine if this event for me was for high amounts. I would have fallen on my face!

Anand,

This is rearding your post about Liasion International insurance.
Please contact me 408 7372538 Or send me details at rajeev@path2usa.com and I can help.

Thanks
Rajeev

Hi,

I am planning to make my way to New jersey, US. I was doing some calculations and i am in doubt can some body please confirm me on follwoing:

For an individual
1. What is average Insurance preminum for medical permonth
2. What is average Insurance premium for dental permonth
3. What is avergae i have to pay towards insurance of a second hand car.

How much i have to pay to get decent coverage for these Insurances

Anybody,

We have been advised to have IVF procedure for which our Insurance company is paying NOTHING, saying it is pre-existing. More over, they say, for Infertility there is no coverage at all. So, it would cost around $ 20,000 for just first cycle which has 28% of success rate.

So, we are not in a position to decide whether to go ahead or not here in USA. Reason being, this cannot be discussed with anybody else and there is no assistance for us.

If anybody has undergone for IVF procedure here in USA, please share your experience here. That would help us very very great.
If you have further knowledge, how it would be, if having the same in India ?

Kindly help us by sharing your experience here.

Thanks...

A couple

Hi
I ma on L1 and my wife on L2..i have a SSN but she does not have a SSN or TIN...we have been denied Kaiser Insurance where as in COlorado on same conditions all my friends got the Insurance from kaiser for themselves and wives on H4 and L2 visas !

pls suggest what to do..I easiest way is to obtain TIN but do they have local offices in every state or i have to mail the info ...also how long does that take ?

Kumar

I was shopping around for auto insurance. I called up one All State agent. She gave me a quote which was 400$ lesser than my current quote.

I was happy and I gave her credit card info to charge it. After that she faxed me papers to sign. When I looked at the papers, she put many incorrect information to give me lower quote. The false information she put was
1. distance of office from home.
2. date of starting of driving license.
3. No of years at current employment.
4. Rent/own home.


Thats why I got very less premium. I did not sign the application and thought of putting dispute on the credit card charge. Before going that extreme, I called up 1800ALLSTATE number and talked to an agent there. They told me that I will get all money refund just that I need to provide them the proof of my current auto insurance. (It was good that I did not cancel my current insurance looking at false application).

The agent there was friendly. She requested me to put correct information and see how much quote actually comes. I agreed. I finally saved 300 $.

Its better to have correct information on your application for any insurance.