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

Q:If the insurance is taken fixed at first, can it be upgraded to comphrehensive later, may be after one month of effective date?

A:
You could do that, Be advised you would be canceling one contract and purchasing another so active treatment benefits would not carry over.
https://mary.brokersnexus.com/answers/visitors-health-insurance/if-the-insurance-is-taken-fixed-at-first-can-it-be-upgraded-to-comphrehensive-later-23547/

Q:My family and I (my spouse, our 12-year-old child, and myself) will be staying in the U.S. for approximately 13 months, from June 30, 2025, as part of an academic program. We are currently residing in South Korea and would like to purchase health insurance coverage before our departure.Could you kindly provide information on the following:Do you offer health insurance plans for international visitors or J-1 visa holders?Is there a family plan available that includes coverage for pre-existing conditions (with no waiting period) such as high blood pressure and diabetes?What would be the estimated monthly or total premium cost for the following:a 50-year-old male with high blood pressure and diabetes,a 45-year-old female with high blood pressure, anda healthy 12-year-old child?What is the application process for enrolling in the plan from outside the U.S.?We are especially interested in understanding the total expected cost so that we can plan accordingly. We hope to complete the insurance enrollment before leaving Korea, so we would greatly appreciate your prompt guidance.Thank you very much for your assistance.Best regards,Wanhee Lee

A:
While we do have a plan that covers for pre-existing conditions for a J-1 visa it does have a wait period of 6 months. the plan also does not cover preventive care or routine maintanance. Visitors secure: /student-secure-elite-insurance/
https://mary.brokersnexus.com/answers/exchange-visitors-medical-insurance/my-family-and-i-my-spouse-our-12yearold-child-and-myself-will-be-staying-in-the-us-65999/

Q:I am flying to Switzerland where I will spend 10 days and then fly to the USA where I will stay 31 days before flying back to my starting destination. I want to buy a comprehensive insurance plan. Will the plan cover my stay in Switzerland?

A:
If you can enter your information in this link we can quote you all of our available plans for the two destinations. Travel plans: /get-travel-insurance-quotes/?presection=visitorUSA
https://mary.brokersnexus.com/answers/international-travel-medical-insurance/i-am-flying-to-switzerland-where-i-will-spend-10-days-and-then-fly-to-the-usa-48163/

Q:I am looking for cheap medical travel insurance that will cover two countries ( US and Canada), which one would you recommend. No deductibles. Visitor plans httpswww.insubuy.comgettravelinsurancequotespresection=visitorUSA

A:
fist we need to see what plans you qualify for.If you can enter your information in this link we can quote you all of our available plans,
https://mary.brokersnexus.com/answers/international-travel-medical-insurance/i-am-looking-for-cheap-medical--travel-insurance-that-will-cover-two-countries--us-and-canada-71116/

Q:Do any of your policies cover sports injuries? My son will be playing baseball in Tennessee for the summer.

A:
Diplomat America includes options like baseball coverage for visitors. Plan: /diplomat-america-insurance/
https://mary.brokersnexus.com/answers/visitors-insurance-usa/do-any-of-your-policies-cover-sports-injuries-my-son-will-be-playing-baseball-in-tennessee-68738/

Q:how to navigate to HIPPA Autherization form

A:
You want to call the claims department phone number is located on the back of your ID card. They can be used to help fill out any forms.
https://mary.brokersnexus.com/answers/visitors-health-insurance/how-to-navigate-to-hippa-autherization-form-65376/
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