Visitor Medical Insurance Experiences



Need Urgent Help, Had To Visit Emergency Room With No Insurance

Posted by: Sachin On 11 Oct 2006

Hello all,

My mother in law came here without any insurance and then 2 weeks ago we had to take care to emergency where they did a lot of tests and she stayed there for ~5hrs.

total bill is running close to 7k, can you suggest what can be done to bring the bill down. Can i approach the county or some non-profit organization?

The bill is on my Mother-in-law's name and she has since gone back to india, don't think i am liable to pay but want to resolve the matter amicably.

Any pointers will be really helpful.

Thanks.

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Great Service, Thank You Path2usa - Long Live

Posted by: Ravi Pradhan On 03 Jun 2006

I was not knowing anything, when I started shopping for a Visitor Insurance for my Parents.
Afar doing lots of research and surfing through different website, I found that there are lots of mix opinions about insurance plans on different websites. I had many questions initially but those came down to 3 questions.


1. Why not buy from home country, in my case India.
(I read enough on this and I think there are logical and practical reasons to prefer a US company plan)

2. Where to buy it from?

(This wasn’t very tough because, I think path2usa is unbeatable as compare to other source, at least it is my observation.
Which later become my experience and I am thankful to myself that I did no mistake choosing path2usa)

3. What plan to buy which really works and save me money too.
(It was very confusing, which solved with some reading, but a discussion with Murali( thank you) helped me a lot to make my decision easy.
(Hats off to Murlai- He is awesome, Boy!, he has immense knowledge)

Now My experience:

My search ended at path2usa and I bought the insurance from path2usa.com. I had to use the insurance just once for Mother's fever. When the time come to use the insurance, Path2usa gone beyond my expectations. I mother had fever for 5 continuous day which I was avoiding to not to take to the Dr, the 4th day the fever was 104 and she was not in good condition, I decided to immediately take her to the hospital.
It was night 1 PM in Fremont California. Since I did not know the formal procedure of using the insurance so I tried giving call to toll free number on the insurance card, but there wasn't any response.
So thought of giving a call to Path2usa, and surprising my phone was attended and got the guidance. I went to the nearest emergency, Dr. did the checkup put her drip and relapsed her after an hour. And we came back home. I know it was not very serious however I didn’t want to take chance and just for my piece of mind I wanted to make sure that I provided the needed care for my Mom on time. Later after 4 weeks I filed the claim, the insurance company took care of the claims as per the plan.
I had liasion plan. I had to pay my deductible 250$ + some coinsurance.

Reason being I am writing all this is first of all I am really thankful for path2usa for the commitment of the service, which I received when I needed it.
Secondly, I saw that most of the people are not providing their actual experience. Most of the postings are either questions or bad experience. I think it was my duty to come back to this forum/website and give back this information back; I definitely owe this to this wonderful website. (Path2usa helped me a lot in last 4yrs since I am in USA)

Now this is what I have to say:

I searched and found that thee are many websites who list the same plans, but What I found on Path2usa is exceptionally well and interesting as compare to all others.

- A great source of information, all the articles which I went through made me understand quite a lot about visitor insurance - All the Tools to select and compare insurance plan is very very helpful, that’s what a Online shopper is looking for.
- Level of service and personal touch (At least I have experienced it and I will give 100+ out of 100).

I want to tank Path2usa.com for their service not only for insurance related but overall, which is helping many of us.
I want to convey my best wishes to the entire path2usa and special and profound thanks to Murali (he deserves).
I will come again to path2usa for my insurance or when I am in need of any advice ;)

If you need any feedback or any information directly from me you can reach me : sunny_mact at yahoo email.

- Ravi
HP moutainview

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Thanks Murali!!!!

Posted by: AJay Phadnis On 21 Apr 2006

I know this is late but a bunch of thanks from my side.

It so happened that in Dec my mom got heart attack and she was admitted to the hospital for emergency.

She did have medical insurance but I was not sure what to do.


I posted a message on this forum for the senior user Murali.

Not only did he returned my call but comforted me and told me the things i needed to do.

I was really relieved after I talked to him.

I know this might sound cliche but I really appreciate Murali for doing this even though when I did not knew him.

Thanks Murali and keep up the good work

Ajay Phadnis
Atlanta , GA

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Icicilombard Is The Best

Posted by: naveen rawat On 21 Apr 2006

hai, I was going to san fransisco for a project. I have to take an insurance policy which I took from icicilombard. On the third day I have an acute pain in my stomach and had to admitted. Icicilombard took care of all the expences and I had to pay a very littel amount as deductibles.

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Insurace Companies

Posted by: Anil On 29 Mar 2006

Hi ,
After going thru all the posts here I am totally confused . My in-laws are coming withinn 2 weeks . He is a diabetic patient. After going thru all experiences posted here I summed it up as follows.

1.If you take visitors insurance from India then co-ordinating with India is difficult and many claims were rejected.
2.If u take from US companies ,all most all claims where turned down saynig Pre-existing condition-even though it's not.In my case my in-law is a diabetic for past many years.

If u got reimbursement for pre-existing condition ,can u pls let me know which insurance u took. Please let me know the insurace company names for which u have good n bad feedbacks. Either post here or mail me at vmelatath@yahoo.com.
Appreciate ur help.

thanks
Anil

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Insurance --help

Posted by: wisher On 10 Mar 2006

I am on H1B and I wanted to take a temperory insurance for around 2 months could somebody let me know which is the best insurance option to take for a short period.

Thanks in Advance

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Visitor Insurance - Why Can't We Get The Student Health Insurance By Claiming They Are Taking Univ. Of Phoenix Class Online?

Posted by: Mahesh On 16 Jan 2006

My parents have pre-existing conditions like Diabetes and Heart problems. What if I find a student health insurance for them, if they take online classes etc. These insurance companies are fraud. Also, if some one has a heart attack, how the hell they can tell it was a pre-exisiting condition? Bull! They are scamming every one!

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Cost

Posted by: samrat On 19 Nov 2005

Costs range from $50,000 for simple surgery to a high of $300,000 for a highly complicated case.

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Open Heart Surgery

Posted by: Samrat On 19 Nov 2005

Ajay ,
I have no idea bout cost in USA ,but I have exp in India and i advice you if it is not "urgent" U do in India .Also Avoid Appollo Hospital I know personally about 6 negative results .In most cases Open heart surgery is not urgency ,it can be controlled by proper medicines .My very close relative was adviced for surgery in 1994 and he gone thru surgery in 2002 .Doctors push for surgery many times to make money ,try second opinion and if you can go India thats best Hospitals in Pune/Mumbai Delhi and many other cities are great ,,and you wont be charged more then 2-3 lakhs (6000 USD ) .

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Open Heart Surgery In US

Posted by: Ajay Phadnis On 18 Nov 2005

Hi ,

I have my mother who is diagnosed with Heart Attack. The doctors are saying that they need to perform a open-heart surgery (bypass surgery) .............


Anybody have any idea what does it cost?. I have insurance from Tata Aig but since my mom is between 56-70 they are only going to cover for 10000 $.


If anyone had any similiar experience, please call 916 595 2682.........


ITs urgent and will really apppreciate your help.


Ajay

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