Will My Parents From Indian Need Pre-Existing Coverage to Visit USA?

Parents Visit | Health Insurance | India Network Health InsuranceYour parents might look and feel healthy, but they might have a condition that they don’t know about. It's very painful to find out about their sickness when it's too late. It is a great idea to get health insurance with pre-existing conditions if your parents are 60 years of age or more. Most insurance companies do not cover pre-existing conditions. India Network Health Insurance has plans that will help with different life threatening episodes caused by pre-existing conditions. India Network treats pre-existing and new problems alike once an option is chosen to cover pre-existing medical conditions, known or unknown to the policy holder. All other products sold may pretend to offer pre-existing condition coverage but they are less likely to help you in case of need (read the small print carefully). Continue Reading...

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Why you need a good visitor health insurance program?

Many of our member starts conversation saying that my friend was telling me that I do not need insurance for visitors as they will always be cared for if then endup in a hospital emergency room in USA. Yes. that is correct many hospitals worry about liability than collecting money when a patient come to an emergency room with a serious medical condition. I wish it was like that in India and all other countries. However, after the patient cared for, the billing department looks for insurance details and if none exists, they extend their search for immediate family. As many Indian community members have decent salaries and hard working with some bank balances, it is highly unlikely the hospitals will write off the amounts for you. The bills may hunt you for years to come. If you are broke and nothing to loose, then you are fine as no one collect anything from you anyway! Continue Reading...

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India Network Visitor Health Insurance launches new user friendly web site

India Network is pleased to announce availability of a new web site design to make it easy to read on the mobile devices. The content is being rewritten for the mobile friendly web site. Please check it out at http://www.kvrao.com

Please provide feedback on content as well as design of the web site. We have not updated the design on our main site at http://www.kvrao.org as we are still beta testing  the new design. Continue Reading...

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India Network Foundation Announces Research Travel Grant to Ms. Amrita Kaurwar, IIT, Jodhpur, Rajasthan, India

India Network Foundation is pleased to announce research travel grant to Ms. Amrita Kaurwar, a Ph. D student at the India Institute of Technology, Jodhpur, Rajasthan, India. Ms. Kaurwar will be using the grant funds to present  (co-authored with other colleagues) entitled "Functional Demarcation of Traditional Off-White Colored Water Pots Manufactured from Rajasthan Clayey Soils and Red Colored Water Pots from Gujarat Clayey Soils Using Spectrographic, Cooling and Strength Studies—A Case Study from Jodhpur, Rajasthan".

The India Network Foundation travel grant is made possible by members and their participation in the Visitor Health Insurance program sponsored by the India Network Foundation. The travel grant is often awarded to a young upcoming scholar from India (any University/Institute) whose scientific research meets or exceeds the expectation of programs chairs of national and international conferences held in the United States. Continue Reading...

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How to use 24 x7 Nurse Line of India Network Visitor Health Insurance Programs?

India Network Health Insurance sponsors visitors health insurance from two main American Insurance companies. The ACE American Insurance company plans know as ACE Network Plan (Comprehensive 80/20 Plan) ad ACE Premier and Standard Plans (Fixed benefit plans). The programs automatically provide you access to 24 x 7 nurse line to get some answers for minor medical problems or medications etc. The Nurse line is available free of charge to ACE policy holders whose policy number start with GLM and the phone number to contact Nurse line is provided on the back of the ID card issued by the India Network Visitor Health Insurance Program.

When you call the Nurse Line, the staff at Nurse Line will ask your employer name. This is same as group name for India Network Foundation sponsored programs. Hence you will answer the employer name as "India Network Foundation" and then provide your primary ID and policy number to quickly connect you to the Nurse Line staff. Continue Reading...

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Uniqueness of India Network Health Insurance

There are a number of visitor health insurance plans offered by various companies one may find in the google searches. This confuses anyone new to visitor health insurance. All visitor health plans appear to cover the same things but they are very different in their definition of coverage, limitations, exclusions and the underwriter (or the insurance company behind the plan). There is no plan currently in the United States or in India that offer the coverage with the same kind of definitions as India Network health insurance plan. Also, there is no plan anywhere that is designed and offered as a group plan for the Asian Indian community in the United States. Also, the India Network Health Insurance Plan differs rest of the bunch in several important ways:

  1. a) India Network Health Insurance Plans are designed to pay the claims rather than avoid them (the industry trend)
    b) India Network Plans are designed to help Indian parents visiting the US. For example, India Network plan do not exclude problems that are common among elderly Asian Indians such as Urinary Trach Infections (UTI) related problems, which are part of exclusions of IMG Programs and many others. India Network is one of the handful plans that still cover UTI problems and pay the claims.
    c) India Network Plans are sponsored by India Network Foundation and underwritten by a, A or higher rated US Insurance company. All other plans are underwritten by a non-US company, or another surplus lines insurance company.
    d) India Network Claims are processed in the United States following US standards that apply to domestic plans.
    e) India Network 24 x 7 Nurse line help thousands of families of visitors every year without subject to any deductible or fees
    f) By participating in India Network Plan, you are indirectly supporting a community program that offer coverage that is often not available in commercial market - for example, coverage till 99 years old
    g) Pre-existing condition coverage offered by India Network health plans can not be found in any plan anywhere in the world. This is a unconditional assurance that the plan would cover if your visitor goes to emergency for any reason.
    h) Cost - Sometimes, India Network health plans cost more because they have to pay 100% of all eligible claims than anyone else in the industry. Remember, all insurance companies have to make profit for their stock holders and hence if someone charging less premium means that they will have to cut down on the claims. It is that simple math.

 

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52% Diabetic Patients in India are not even aware of the problem!

International Diabetic Federation (IDF) in a recent report stated that more than 52 percent of Indian suffering from diabetes do not know that they have that problem. 33 Million males and 29 Million females in India are suffering from diabetic (not counting the 52% who are not aware of). A whooping 2 million more are added every year to the diabetic population numbers. Diabetic is a silent killer that exposes patients to heart attack, stroke, amputations, nerve damage, blindness and kidney disease.
"Diabetes is one of the diseases that affects the endocrine system. The pancreas produces the hormone insulin. In Type 1 diabetes, the insulin producing cells in the pancreas are destroyed. In Type 2 diabetes, insulin is still produced but the body becomes resistant to it," explains M. Ravi Kiran, endocrinologist, Agada Health Care (Public Health Foundation of India). Continue Reading...

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India Network Pre-existing Plans require 90 days Minimum

India Network offers two major plans for pre-existing conditions coverage - one is ACE Network Plan. The ACE Network Plan is the best possible insurance, both for, new problems, accidents, and pre-existing conditions at affordable prices, and is available for all age groups. This is the closest plan you can get for visitors to the domestic programs.

The ACE Network Plans employs a simple and straightforward definition - Pre-existing conditions are treated on par with new problems when a plan is purchased with pre-existing conditions option. So, if a visitor goes to emergency, that medical condition would be covered either as a new medical problem or under pre-existing conditions coverage. First you have meet your deductible and then plan pays 80 percent of covered expenses, and you are responsible for 20 percent. This is the only plan in the US that can assure that your trip to Emergency room is covered either as Pre-ex problem or a new problem.

The ACE Premier Plan is a fixed benefit plan which covers pre-existing conditions on par with new problems as well. The Only difference between new medical conditions and pre-existing medical conditions is that the later ones are subject to higher deductible and a separate policy maximum.

Why 90 days coverage?? The pre-existing insurance coverage offered is based on the assumption that policy holder would contribute at least 90 days premium. This DOES NOT MEAN that one has to wait 90 days to get coverage. The insurance coverage will start from the effective date listed on the application form and there is no waiting period. 

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Gastric Bypass Surgery associated with remission of South Asian Type 2 Diabetes patients

The following article is presented for the benefit of our members from MedPage. This study was presented at a meeting but not published in a reviewed medical journal ------

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NEW ORLEANS -- Roux-en-Y gastric bypass surgery was associated with remission from type 2 diabetes after 2 years in more than half of patients who underwent the procedure, researchers reported here.

by Ed Susman
Contributing Writer, MedPage Today

About 60% of the 40 patients who underwent the surgery had remission in the small randomized trial, versus 2.5% of the 40 patients who attempted to control diabetes using medical and lifestyle approaches (P<0.0001), according to Shashank Shah, MBBS, director of the Laparo-Obeso Centre in Pune, India.
In his oral presentation at the annual meeting of the American Diabetes Association, Shah reported:
.About 80% of patients undergoing the surgery achieved hypoglycemic control compared with 30% of the patients in the lifestyle/medical group (P<0.0001)
Type 2 diabetes improvement was achieved by 100% of the surgery patients and 73% of the patients on lifestyle or medical regimens (P=0.003)
.HbA1c was reduced from 9.3% to 6.4% in the surgery patients compared with a reduction from an average of 9.5% to 8.2% among the patients on the non surgery regimens (P<0.0001)
Participants all had body mass index values of 40 or less (mean 31, SD 3.5).

"Patients who underwent the surgery also used about half as much diabetes medication after the surgery as they had before gastric bypass," Shah said. "I believe that doctors should be discussing bariatric surgery with patients of South Asian descent."

He noted that nearly one-quarter of all diabetics globally live in South Asia. In this region, people "tend to develop diabetes at a younger age and at a lower body mass index and therefore have more years to suffer from complications of diabetes. People who get diabetes early are more likely to die of diabetes rather than someone who gets it late in life who are more likely to die with diabetes.

"Despite lifestyle and medical intervention, most people with diabetes remain below the target for diabetes control," he said. "There has been evidence that gastric bypass did work in patients in ameliorating their diabetes. However. There had been no evidence among people of lower weight or from South Asian as to how well gastric bypass would work in them."

Note that this study was published as an abstract and presented at a conference. These data and conclusions should be considered to be preliminary until published in a peer-reviewed journal.

NEW ORLEANS -- Roux-en-Y gastric bypass surgery was associated with remission from type 2 diabetes after 2 years in more than half of patients who underwent the procedure, researchers reported here.

About 60% of the 40 patients who underwent the surgery had remission in the small randomized trial, versus 2.5% of the 40 patients who attempted to control diabetes using medical and lifestyle approaches (P<0.0001), according to Shashank Shah, MBBS, director of the Laparo-Obeso Centre in Pune, India.

In his oral presentation at the annual meeting of the American Diabetes Association, Shah reported:
.About 80% of patients undergoing the surgery achieved hypoglycemic control compared with 30% of the patients in the lifestyle/medical group (P<0.0001)
.Type 2 diabetes improvement was achieved by 100% of the surgery patients and 73% of the patients on lifestyle or medical regimens (P=0.003)
.HbA1c was reduced from 9.3% to 6.4% in the surgery patients compared with a reduction from an average of 9.5% to 8.2% among the patients on the nonsurgery regimens (P<0.0001)

Participants all had body mass index values of 40 or less (mean 31, SD 3.5).

"Patients who underwent the surgery also used about half as much diabetes medication after the surgery as they had before gastric bypass," Shah said. "I believe that doctors should be discussing bariatric surgery with patients of South Asian descent."

He noted that nearly one-quarter of all diabetics globally live in South Asia. In this region, people "tend to develop diabetes at a younger age and at a lower body mass index and therefore have more years to suffer from complications of diabetes. People who get diabetes early are more likely to die of diabetes rather than someone who gets it late in life who are more likely to die with diabetes.

"Despite lifestyle and medical intervention, most people with diabetes remain below the target for diabetes control," he said. "There has been evidence that gastric bypass did work in patients in ameliorating their diabetes. However. There had been no evidence among people of lower weight or from South Asian as to how well gastric bypass would work in them."

Mitchell Roslin, MD, chief of obesity surgery at Lenox Hill Hospital in New York City, who was not involved with the study, said, "We should be managing more people with diabetes with bariatric surgery. There have been numerous studies that show this surgery is beneficial.

"Dr. Shah and his colleagues are now showing the same thing in a South Asian population. These are patients who have smaller body mass index and are smaller in size to the typical Western population of diabetics. However, they have similar outcomes," he said.

Roslin told MedPage Today that once a person has grown into maturity there is very little that can be done to change decades of eating and exercise patterns, so the ability to control diabetes with lifestyle adjustments and medications is unlikely to be successful.

"People in generally good health can undergo this surgery and be back at work within a week," Roslin said.

The COSMID (Comparison of Surgery vs Medicine for Indian Diabetes) Trial is the first randomized controlled study that specifically addresses the Asian Indian population, said Shah. "Current medical and lifestyle treatments for Asian Indians who suffer from obesity and type 2 diabetes are often inadequate to control morbidities and mortalities associated with these conditions. COSMID provides evidence that gastric bypass is a superior treatment to medical management alone, and should be an option for patients who qualify," he said.
He said that people who undergo Roux-en-Y surgery usually are required to take vitamin supplements post surgery. However, he noted that as many as 85% of the patients he sees before surgery are usually deficient in some vitamins, so they require supplements anyway.

"There are publications that have been published that suggest bariatric surgery among patients who are unable to control diabetes can be helpful," Shah said. "We can optimize the use of gastric bypass surgery, of course, in selected patients. This is an option that works."

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Medical Coverage for Major Medical Issues – Heart Attack, Stroke, etc

We recently received a call from a family member inquiring whether he can purchase India Network Insurance with pre-existing conditions plan for his mom. His mother arrived, a couple of months back and she was in the hospital with severe chest pains when he contacted our office. His mom had insurance from another company that widely targets innocent Indian families with all kinds of buzz words and jargon. A representative for the company assured the family member that his mother would be covered for all pre-existing conditions without any further explanation. However, after his mother was admitted to the emergency room, that same representative told him that the visit would not be covered. Why? The representative went on to tell the family member that his mother's policy never had any pre-existing coverage and that it is not at all offered by any company.  India Network staff took time to review the policy sent by the other insurance company and confirmed that it does NOT have any coverage for any pre-existing conditions such as heart attack or stroke.

Unfortunately, India Network was too late to help this family because they did not purchase India Network insurance before the visitor’s arrival. The other company plan does not cover the emergency and the member is now at the mercy of the hospital with thousands of dollars of bills.

On the internet there are many policies sold for visitors that prey on unsuspecting family members.  After a careful review of various products offered, India Network staff reached the conclusion that there is currently NO plan on the market that explicitly covers problems like heart attack, stroke, brain hemorrhage, etc. India Network Health Insurance with Pre-existing Conditions is the ONLY ONE that can help when need arises.

Many people are confused by terminology in policies. For example, a number folks tell us that their dad who is 78 years old but  pretty healthy. Dad takes his medications for high blood pressure and sugar but both are under control. The most asked question by these folks is, "Do I need to buy coverage with pre-existing conditions or not?" In world we live in today, most of our 60+ population have either high BP or sugar, but take medications to mitigate their effects. However, these diseases have the potential to cause life threatening or even fatal emergencies.

After examing the needs of our elderly Indian community, India Network advises all members to take pre-existing coverage for their loved ones. By enrolling in India Network's pre-existing coverage.  Our community can be at ease knowing India Network is there when things go wrong.

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