Buy Medical Insurance For Parents In Usa

whitedaisy · Feb 16, 2022

I live in California, USA. My parents will visit me for 6 months. I want to take medical insurance for my parents which cover all existing and new conditions. My mother has been feeling not very healthy in the last year, so I want to take her to the doctor here, and run required medical tests like blood work, x-rays, and scannings.
Anyone has knowledge about good insurance and how much does it cost. My parents' ages are 65 and 70, has preconditions like BP, sugar, arthritis and sciatica

MalStrom · Feb 16, 2022

My parents buy a travel insurance which covers emergencies but not routine care. It is very expensive and will exclude many pre-existing conditions. When my father had some urgent dental problems I paid everything out of pocket.
If your parents are on tourist visas I don’t know if they are eligible to buy any of the healthcare plans offered in the US.
Whenever my parents plan to visit me here they get a thorough master checkup in India and come prepared with all their medications for the full duration of the visit.

GoneGirl · Feb 16, 2022

Agree with @MalStrom .
I don’t know if any insurance that would cover pre-existing conditions. Most can do only acute exacerbation of pre-existing condition or accidents.
This is the site I used to buy insurance for my parents. It gives you more info on coverage
Visitor Insurance - Acute Onset of Pre-Existing Conditions FAQ

englishtutorjul · Apr 16, 2022

Bumping this for more replies as I am in a similar situation now

chanchitra · Apr 17, 2022

https://www.insubuy.com/

1. Patriot America Plus
2. Safe Travels USA
I did a high level comparison between both and below are some key differences:

1. Safe Travels USA Comprehensive is cheaper in terms of Premium than Patriot America Plus for the same policy max coverage
2. Safe Travels USA Comprehensive has $0 deductible for PPO In Network whereas Patriot America Plus has a minimum of $250 deductible for PPO in Network.
3. Safe Travels USA Comprehensive uses First Health PPO Network whereas Patriot America uses United Healthcare PPO Network
4. Safe Travels USA Comprehensive has a limit of $25K for Cardiac related treatments whereas Patriot America Plus covers till Policy Max.