INF Standard Plan: Frequently Asked Questions
Who is eligible for the INF Standard Plan?
Any Non-US Citizen can apply for the INF Standard Plan. This includes Green Card holders, H-1B Visa Holders, Permanent Residents, Students on F1 / F1 Visas, those on OTP, and those whose immigration status is not confirmed. This plan works for all age groups, from age 0 to age 99+.
Should I add my Visitors Spouse as a Dependent?
If your visitors require the same Insurance for Visitors plan, you can add both of them on the same policy. When adding a dependent on to the policy, it does not diminish the coverage. Rather- both visitors will have the same policy maximum and deductible, separately. For instance, if you enroll in a $100,000 coverage plan with $250 deductible with a primary and dependent, each visitor on the policy will be covered individually up to $100,000 and have their own deductible to meet of $250.
Why should I purchase the INF Standard Plan?
The INF Standard Plan is our flagship fixed benefit plan. The Standard plan covers all major medical events & sicknesses with high benefits and at a lower cost than most other plans. The INF Standard Plan contains coverages for sickness which other Insurance for Visitors explicitly exclude, including illnesses such as Urinary Tract Infections, or any diseases affecting the kidneys.
Are the Standard Plan's Premiums Pro-Rated?
Yes. For example, if you apply for 1 month and 5 days - that is the exact amount you pay for. No more, no less. Rates are based on a 30 day calendar and are prorated on that basis.
Can I Extend the Standard Plan?
You are able to Extend the Standard Plan for any amount of time after the initial coverage period. We send email, text, and phone call reminders to you 1 week & 1 day before the policy expiration.
Can I cancel this plan?
You are able to cancel this plan for a full refund (minus a $25 cancellation fee) before the start date of the coverage. Cancellation forms must be completed in writing and faxed to INF at 408-520-4967. Application fees ($15) are non-refundable. Enrolled must attest they did not use INF insurance to obtain any visa nor use for any govermental purpose while cancelling, and absolve INF of any liability for medical expenses while in the United States or abroad and takes full responsibility for all medical expenses.After the policy start date, the premium is fully earned and therefore impossible to refund.
Will this plan cover pre-existing conditions?
The INF Standard plan does not afford an pre-existing coverage. We recommend this plan for anyone who is under 50 years of age & does not exhibit any pre-existing conditions. The Standard Plan provides a high amount of coverage and larger than average benefits compared to the average Insurance for Visitors fixed benefit plan. This plan has a 100% claims payment rate- you get the peace of mind you want & coverage you need.
Will the INF Standard Plan cover Travel?
The Standard Plan covers travel through any stop over. Whether you are transiting through Dubai, London, or Hong Kong, you will have coverage throughout your journey. Travel with confidence, provided by the INF Standard Plan.
Will this Plan Cover Dental?
Yes. The INF Standard Plan comes with the Careington POS Discount Card, which provides Dental savings of up to 50% on many dental procedures. Additional benefits include Vision, Hearing, & Prescription Drug Discount Coverage.
Will this plan work in my area?
Yes. The INF Standard Plan works in all 50 states and Canada. There is no need to worry when you are covered by an INF Plan.
What's the minimum enrollment for the Standard Plan?
The minimum enrollment period for this plan is 30 days. The maximum enrollment period is 1 year from the first date of enrollment.
How do I pay for this Plan?
We accept all major credit card for for payment (Visa, Discover, Mastercard, American Express). We also take Check & Money Order along with a paper application. For paper applications, please contact your agent or email [email protected]
How do I apply for the Standard Plan?
We have an online application available where you can apply for this plan. Or, you can reach us at 408-540-3601 and we will be able to help you complete the application over the phone.
Where can I use this Plan?
The Standard Plan uses the First Health Provider Network. This plan will be accepted at any In-Network provider. With First Health PPO, the Insurance will be billed directly, i.e. Direct Billing, & access discounted medical rates for covered medical services.
When making an appointment with an INF Plan make sure to say the following "I have a short-term health insurance plan which uses First Health PPO. Do you accept plans which work with First Health PPO?"
Do not say: "I have INF Health Insurance" or "I have Chubb Insurance" or "I have Standard Health Insurnace." Providers WILL NOT recognize this language, and your coverage may not be accepted.
Who do I reach to out about claims questions?
Anytime you visit a health care provider, even if you do not pay, we strongly suggest you fill out a claim form so the insurance company has a record of your visit to the health care provider & will be able to pay your claim in a timely manner.
Medical Bills & Receipts can be sent to the following address:
Administrative Concepts, Inc. (ACI)
994 Old Eagle School Rd., Suite 1005
Wayne, PA 19087-1706
Toll Free: 888-293-9229 (from inside the U.S.)
Phone: 610-293-9229 (from outside the U.S.)
EDI Payor#: 22384