09-30-2009, 08:00 PM
<!--QuoteBegin-shamu+Oct 1 2009, 12:10 AM-->QUOTE(shamu @ Oct 1 2009, 12:10 AM)<!--QuoteEBegin--><!--QuoteBegin-Mudy+Sep 30 2009, 09:39 PM--><div class='quotetop'>QUOTE(Mudy @ Sep 30 2009, 09:39 PM)<!--QuoteEBegin-->Ask them to get from India, cheaper and covers everything. In US, make sure not to get Health Insurance which are basically Discount Card e.g Cinergy Health - Health Insurance.( basically, they get discount on procedure but one has to pay rest of amount)
From India, make sure this is not discount insurance (
Check this - http://www.nriol.com/insurance/tata-aig.html
http://www.healthinsuranceindia.org/covera...g_insurance.asp
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Mudy, have you used these insurances where they had to make payment?
I've heard many cases from my friends that insurances taken from India refused to make the hospital bill payment, and the people in US were harrassed by collection agencies.
If parents are taken to hospital, the US resident should <b>NOT</b> sign the documents. Ask the patient to sign the papers to commit payment of fee. In case the insurance dispute happens, you can send parents to India without worrying about collection agencies. They can not come after you if you have not signed the legal documents.
[right][snapback]101659[/snapback][/right]<!--QuoteEnd--></div><!--QuoteEEnd-->
To visit US, Health Insurance coverage is must. It is sponsor responsibility.
There is a difference between Health Insurance (Atena, United, Blue Cross) and Health Insurance/Discount. 90% so-called travel health insurance from India are just a discount insurance , which covers nothing , not even catastrophic accident or give discount on treatment. Same problem is with so-called short term health insurance from US companies. Majority of them are scams.
Under law , Emergency Room can't refuse treatment. In case, no coverage they write-off, or one can negotiate cost. If you pay out of pocket within month, majority of ER give 60%-80% discount based on income.
When someone sponsor visitors, everything goes into record. Collection agencies do everything to recover money, it also means, making sponsor responsible for payment. Majority of cases they garnish IRS return, lottery win etc and information is also sent to Embassy .
My suggestion, in place of escaping from responsibility , negotiate with Hospital/Doctor. You will be surprised, they will go out of way to help you. Yes, sponsor may have to provide his pay stub, tax return and other financial document. They can even run credit check.
There are charity hospitals/clinics, which provide free treatment. One can give donation also. There are subsidize county hospitals everywhere.
Yes, employer based insurance are Cadillac Insurance, but check other cheap/free options.
From India, make sure this is not discount insurance (
Check this - http://www.nriol.com/insurance/tata-aig.html
http://www.healthinsuranceindia.org/covera...g_insurance.asp
<!--QuoteEnd--><!--QuoteEEnd-->
Mudy, have you used these insurances where they had to make payment?
I've heard many cases from my friends that insurances taken from India refused to make the hospital bill payment, and the people in US were harrassed by collection agencies.
If parents are taken to hospital, the US resident should <b>NOT</b> sign the documents. Ask the patient to sign the papers to commit payment of fee. In case the insurance dispute happens, you can send parents to India without worrying about collection agencies. They can not come after you if you have not signed the legal documents.
[right][snapback]101659[/snapback][/right]<!--QuoteEnd--></div><!--QuoteEEnd-->
To visit US, Health Insurance coverage is must. It is sponsor responsibility.
There is a difference between Health Insurance (Atena, United, Blue Cross) and Health Insurance/Discount. 90% so-called travel health insurance from India are just a discount insurance , which covers nothing , not even catastrophic accident or give discount on treatment. Same problem is with so-called short term health insurance from US companies. Majority of them are scams.
Under law , Emergency Room can't refuse treatment. In case, no coverage they write-off, or one can negotiate cost. If you pay out of pocket within month, majority of ER give 60%-80% discount based on income.
When someone sponsor visitors, everything goes into record. Collection agencies do everything to recover money, it also means, making sponsor responsible for payment. Majority of cases they garnish IRS return, lottery win etc and information is also sent to Embassy .
My suggestion, in place of escaping from responsibility , negotiate with Hospital/Doctor. You will be surprised, they will go out of way to help you. Yes, sponsor may have to provide his pay stub, tax return and other financial document. They can even run credit check.
There are charity hospitals/clinics, which provide free treatment. One can give donation also. There are subsidize county hospitals everywhere.
Yes, employer based insurance are Cadillac Insurance, but check other cheap/free options.