H1/H4 Visa Insurance Forum

Hi,
I live in the state of Washington and I am on H1 Visa. I am looking for an insurance plans for me to buy. Can you suggest anything?
Thank You,
Rajesh


Dear Rajesh,
Thank you for your email regarding insurance for coverage in the US! As an H1B visa holder, you are eligible for any of the visitor plans that we offer. The main issue with this visa is that if you have been in the country longer than about 6 months (depending on your age) you will be ineligible to buy some plans even if you were previously covered by an employee plan. The last time you came into the country is what "counts" even if you had previously been in the US longer. The same is true for a spouse and kids of the H1B visa holder, if you are only purchasing for them (note you CAN purchase only for your family if you have your own coverage, just know that domestic coverage is more complete and desirable if there could be maternity or pre-existing medical condition coverage required). For the state of Washington, we have some state specific limitations to purchase some of the insurance plans that we normally recommend for H1 Visa holders. Here is one plan that does not have state limitations.

SAFE TRAVELS USA COMRPEHENSIVE: This plan is from the company Trawick International and is a comprehensive plan. Here, you can click on the brochure to open the company brochure which is a pdf document and lists the benefit details.
      Plan Details      Buy Now      Brochure

If you have further questions or concerns, please feel free to email us back.

Regards,
Customer care
+1 (877) 340 7910

Hello,
I am on H1 B and I live in Michigan. I was wondering if I can get an insurance for myself. My friend is in the state of New York. I see that some plans have state restriction. Can you recommend some plan for my friend?
Thank You,
Tripti


Dear Tripti,
Thank you for contacting us at American Visitor Insurance for your visitor health insurance needs! Here are the links for the policy we spoke about over the phone:
Here is the plan that you can buy for the Michigan state:

      Plan Details      Buy Now      Brochure

You can get all information about Atlas insurance, see the brochure, search the PPO network and buy the policy in the website.
This policy is very popular with international travelers and has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to the maximum of the plan for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease.
Regarding your question, about New York state, I will get back to you soon as some of the available plans may not include the H1B Visa status

Regards,
Customer care
+1 (877) 340 7910

Hi,
I am looking for medical insurance options. I came from INDIA on H4 dependent visa and had insurance from INDIA for last 9 months. I am looking for options in USA now. Kindly reply me with your quotes. I am currently residing in Los Angeles.
Thank You,
Sindhu


Dear Sindhu,
Thank you for contacting us at America Visitor Insurance for your insurance needs. Here are 2 excellent comprehensive plans I recommend for you and your family.
The first option is the Atlas America. This is great option because if you go in-network providers, you only pay deductible and no coinsurance (you pay 20% out of network of the first $5,000 in medical bills). Also, a child under 10 is free with a paying adult so this price is hard to beat! These features make it a really good option for visitors to the US.
To see all the details of this plan (PPO network, buy it, etc), go here:

      Plan Details      Buy Now      Brochure

Another other excellent option is Patriot America the coinsurance is only 10% of the first $5,000 after the deductible. Also, if you purchase at least one month the first time you buy it, there is NO renewal fee. These benefits make this plan another excellent choice.

      Plan Details      Buy Now      Brochure

Also, for a comparison of the Atlas and Patriot plans, you can go here : Atlas America vs Patriot America

Please do not hesitate to call on us if you have further questions or concerns about either of these or any other policy available. We wish you safe and healthy travels!

Regards,
Customer care
+1 (877) 340 7910

Hello,
I need insurance for H4 status. Does it have to be Affordable Care Act (ACA) compliant or can it be Non ACA compliant?
Thanks,
Raj


Dear Raj,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!

For US tax purposes H1-B Visa holders under the status 'non resident alien' are not obligated to maintain ACA coverage. Once they become 'resident alien', they will need to comply with the ACA just like US Citizens. The same rule applies to H4 as well. So, it is not mandatory that you buy insurance that is compliant with ACA.

Here we have a suitable plan for H1- B and H4 holders:

ATLAS AMERICA:

      Plan Details      Buy Now

Please let us know if we can help you any further.

Regards,
Customer care
+1 (877) 340 7910

Dear Sir/Madam,
I am a H1 Visa holder from Portugal I am still in Portugal and will be visiting USA. I am in search of health insurance that satisfies the H1 Visa Requirements. I have previously contacted you and you have recommended the Atlas plan. Can you let me know if the trip is canceled and the insurance company is notifified of this situation before the beginning of the insurance coverage date, is it possible to get the complete refund of the insurance payment?
If so please indicate what is the procedure to be considered? How is the request done? What additional information do I have to provide for this feature?
Many thanks for your attention!
Paulo Martins


Dear Sir,
If your trip is cancelled before the effective date of the insurance plan, you are eligible to get full refund of the premium. If the plan is cancelled after the effective date then there is a $25 cancellation fee and the unused portion of the premium will be refunded.
To cancel the policy you will have to send an email to orders@hccmis.com and mention the Certificate number of the plan in the email and request cancellation.
Hope this is helpful!
Please let us know in case of any further questions.

Regards,
Customer care
+1 (877) 340 7910

Hello,
I am on H1 B Visa and I am looking for a health insurance plan temporarily. I understand that some plans have arrival time period to live in US. I am living in US since 1 month and I am going to stay in US for next 3 years. Can you suggest a plan for me?
Thank you,
Ullas


Dear Ullas,
Thanks for contacting American Visitor Insurance with your inquiry!
Please visit our user friendly customer tool to view the suitable plans for your visa criteria at the below link:

Best Coverage

There are several plans available. The plans that have arrival time restriction have a 30 day time period for people over 65 within which after arriving in US, the plan must become effective. For people below 65, the time period varies between 6 months to 2 years within which after arriving in US, the plan must become effective.
Here is information on the Atlas America plan which is the one of the suitable options for H1 Visa holders as it does not have any restrictions on arrival time in the US.

ATLAS AMERICA:

      Plan Details      Buy Now

Please let us know if we can help you any further.

Regards,
Customer care
+1 (877) 340 7910

Hello,
I am from India, where I am about to travel US in a month or two along with my pregnant wife(3 months). I really need your suggestions to get the insurance for her preganancy coverage. She also holds H1b visa.
Thanks
Gopinath


Dear Gopinath,
The only pregnancy coverage is Atlas America which only covers "complications" of pregnancy in the first 26 weeks of gestation. So, in effect, it is coverage you hope you do not need. Here are the links for it in case this is all you need:

      Plan Details      Buy Now      Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Hi,
My wife and son are visiting me in US here. They are on H4 Visa. Are there any suitable plans available for them?

Thanks,
Kumar


Dear Kumar,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Here are the links for the policy we spoke about over the phone:

ATLAS AMERICA:

      Plan Details      Buy Now

You can get all information about Atlas insurance, see the brochure, search the PPO network and buy the policy in the website.
This plan is popular comprehensive plan and is suitable for H4 Visa holders.
This policy is very popular with international travelers and has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to $100,000 or the maximum of the plan (whichever is smaller) for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease.
The PPO network for this plan is known as Coventry healthcare. Here is the link for PPO network: PPO Network
The insurer for this plan is HCC Medical Insurance Services and their toll free contact number is 1-800-605-2282
You can download the claim from the below link. Look for HCC Medical Insurance Services and download the respective claim form: Insurance Claims

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Hello,
I need insurance for my wife who is coming to US on H4. Can you please explain the coinsurance part of the plan which costs me $5,239 and coverage of $50,000 . Can you please let me know, how the coinsurance works for the plan?
Thanks,
Sreenivas


Dear Sreenivas,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs! Here are the links for the policy we spoke about over the phone:
Here is the link to our product page on our site:

      Plan Details      Buy Now

You can get all information about Atlas insurance, see the brochure, search the PPO network and buy the policy in the website.
This policy is available for H4 Visa holders.
This policy is very popular with international travelers and has many excellent features. In particular, their coverage of "acute onset" of pre-existing conditions up to $100,000 or the maximum of the plan (whichever is smaller) for medical expenses and an additional $25,000 for emergency medical evacuation can put your mind at ease.
To purchase the Atlas America plan, you can go directly to this site:
This is how co insurance works for this plan.
$50,000 is the policy maximum. This is the maximum that you have chosen which the plan pays in case of any kind of emergency such as emergency evacuation etc.
Now coming to how the plan pays in case of individual expense:
If you incur medical expense of lets say $5,239 and you have selected a deductible of $100. Then here is how the expense is calculated.
5239 -100(amount that you need to pay) = 5139. Now the co insurance is applicable for the first $5000 only in case you got to a network outside the PPO. In that case, you will pay the 20% of $5000 which is $1000 and the rest will be paid by insurance company. So out of 5239 you will be paying 100(deductible) + 1000 = 1100 and the rest is paid by insurance company.
Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Hi There,
I’m an existing customer. I have H1B and my wife has H4 visa. Does our existing insurance covers dental cleaning fees? I’m interested in knowing about Dental Insurance. Can you post my question in your online forum and provide me an answer?
Thanks,
Rahul


Dear Rahul,
None of the visitor policies we sell offer coverage for dental cleaning. A few comprehensive policies will cover $100 or $250 flat amount for sudden dental pain to cover partial cost of a visit to a dentist. Most will cover an injury to a tooth as any other illness/ accident. What I usually recommend is to find a dentist that will take new patients and simply ask how much a standard cleaning will be. You can shop around and negotiate a good price for you and your family.

We do offer dental insurance in some states only, but it is meant for long term with only partial coverage (30%) the first year on cleanings, and incrementally more coverage each year. Also, your local dentist might have options for you as well which would at least offer some discount on services.

Be well and thank you for your insightful question!

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Hi There,
I am a H4 Visa holder and my daughter is US citizen. We are visiting and going to stay in the Washington DC for 15 days. We are interested in Atlas America plan. Are both of us eligible to buy that plan?
Thanks,
Pallavi


Dear Pallavi,
Thank you for contacting us for your travel health insurance needs! Here are the details for the policy Atlas America we spoke about over the phone:

Atlas America is a good plan for H1 and H4 Visa holders. This plan is suitable for you. For your daughter who is a US citizen, this plan works as per the terms in the Incidental Home Country coverage. Please see the brochure of this plan by scrolling down to see the "Incidental Home Country coverage " section.

Here is the wording from the brochure:
* For U.S. Citizens, for every three month period during which the Member is covered here under, Medical Expenses incurred in the U.S. are covered up to a maximum of 15 days for any three month period. *

As per this, you need to purchase the plan for a minimum of 3 months in which she will be covered for 15 days inside US.

      Plan Details      Buy Now      Brochure

If you are not interested in coverage for this situation, here is an alternative for your daughter while she is in US:
Liaison Travel plan from Seven Corners:
In the above link, there is a comparison of the plans Liaison Elite, Choice and Economy regarding their price and benefits.
You can also buy the Liaison Travel Insurance plan online by perusing the Liaison Travel Insurance plan brochure.
Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

I'm looking for H1B medical insurance.
Thanks,
Hemani


Dear Hemani,
Thank you for contacting us for your travel health insurance needs! Below are the plans which are suitable for H1 and H4 Visa holders.

Atlas America from HCCMIS:
This plan does not have any eligibility restrictions for people who have already arrived in US. This is a comprehensive option and is a popular plan for visitors. It also provides pre existing condition coverage for people upto age 70.

      Plan Details      Buy Now      Brochure

Inbound Immigrant from Seven Corners:
This is a fixed plan but is renewable for 5 years. This plan has to be purchased within 2 years after arriving in USA.

      Plan Details      Buy Now      Brochure

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910

Hello,
I am H1B Visa holder. I was interested in purchasing the Visitor’s Care plan as it is cheaper compared to other plans. Could you please let me know if I am eligible to purchase this plan or let me know about a suitable plan?
Thanks,
Sasha


Dear Sasha,
Thanks for contacting us with your inquiry!
You can purchase the Visitors Care plan as there are no restrictions on arrival time in US for travelers less than 65 years.
All details regarding IMG’s Visitor's Care is available n below links:

      Plan Details      Buy Now

Another very affordable plan that is renewable for 5 years is the Inbound Immigrant plan offered by Seven Corners:
This is a fixed plan but is renewable for 5 years. This plan has to be purchased within 2 years after arriving in USA.

 Plan Details      Buy Now      Brochure

If you are interested in our comprehensive plan options, there is the Atlas America plan from HCCMIS:
This plan does not have any eligibility restrictions for people who have already arrived in US. This is a comprehensive option and is a popular plan for visitors. It also provides pre existing condition coverage for people up to age 70.

 Plan Details      Buy Now      Brochure

Please feel free to contact us in case of any questions and we will be glad to assist you with the purchase of the plan.

Regards,
Customer care
+1 (877) 340 7910

Dear Sir/Madam,
I would like to quote a medical insurance plan for my wife, she's here on a H4 visa.
Age: 26 yrs
Country: Brazil
Start date: 04-01-2012
End date: 04-01-2013

Thanks you,
Raphael


Hello Raphael,
You have several insurance plan options for your wife as we work with several health insurance companies to offer the largest choice of international health insurance plans. The plan cost (or premium) will depend on:
1. Age of the customer
2. Maximum coverage requested
3. Deductible
4. Type of coverage (Fixed versus Comprehensive)
The plans which offer preventive and pre-existing coverage can be reviewed at -     Global Travel Compare

I recommend that you review a plan in detail using the plan brochure.
For shorter term plans without pre-existing and preventive care cover, please review the plans at -

Visitor's Medical Compare

Regards,
Customer care
+1 (877) 340 7910