Tweet
There is no product from any company anywhere that would genuinely cover pre-existing conditions to visitors to United States. Simply, no company can economically afford to do this.
Please read https://www.insubuy.com/visitor-medi...ng-conditions/ to understand more.
When a given company's insurance product is no longer competitive in market in terms of benefits and coverage, they may come up with some seemingly attractive feature to try to attract customers towards it. Moreover, those policies are fixed coverage, not comprehensive.
Lets say, you buy the insurance that covers surgery up to $6,000. And for pre-existing conditions, they cover up to 10% of that limit, that is $600. If the surgery costs you $40,000, what is the realistic use of $600? You still have to pay $39,400 from your pocket. And if you are paying that much amount out of your pocket, the hospital will give you bigger discount anyway than that $600 you would get from the insurance.
Therefore, it is best to buy comprehensive coverage plan for the new medical conditions and be willing to take risk yourself for the pre-existing conditions, if you would like to invite the relatives with the pre-existing conditions.
If that risk is too much beyond what you can take, you need to think whether you really want to invite them.
Please read https://www.insubuy.com/visitor-medi...ng-conditions/ to understand more.
When a given company's insurance product is no longer competitive in market in terms of benefits and coverage, they may come up with some seemingly attractive feature to try to attract customers towards it. Moreover, those policies are fixed coverage, not comprehensive.
Lets say, you buy the insurance that covers surgery up to $6,000. And for pre-existing conditions, they cover up to 10% of that limit, that is $600. If the surgery costs you $40,000, what is the realistic use of $600? You still have to pay $39,400 from your pocket. And if you are paying that much amount out of your pocket, the hospital will give you bigger discount anyway than that $600 you would get from the insurance.
Therefore, it is best to buy comprehensive coverage plan for the new medical conditions and be willing to take risk yourself for the pre-existing conditions, if you would like to invite the relatives with the pre-existing conditions.
If that risk is too much beyond what you can take, you need to think whether you really want to invite them.
