Hi Desi 🐠 I need US health plan recommendations for my parents (non-resident B1/B2). My dad recently had major surgery and wants further eval in the US if they visit (post current crisis). Are there any comprehensive plans that would cover him? Or should we be looking to pay OOP for his care/treatment in the US?

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All visitors insurance are joke they don't cover anything. Pre existing doesn't get covered.

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OOP more than likely if it is for a pre-existing condition unless the plan covers pre-existing conditions and it may be considered not medically necessary. Best to consult the providers to understand the coverage.

INF Elite - expensive but covers pre existing conditions. Only genuine visitor plan

Can I ask who settles claims? Did you have to pay out of pocket and then file a claim to get your money or do they pay the hospital directly.

But why? Doctors in India just seem to be so much better.

Yes, but we’d like second opinions and general peace of mind that I won’t tumble into financial ruin in case they visit and need medical care. Surely I’m not the first Desi son to face this predicament. Curious what insurance solutions others have found good.

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