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FinalGC
05-20 02:13 PM
Recently, one of my friend's dad came to Texas and got sick and the bill came to $60K. Unfortunatley, he did not buy travelers insurance and is fighting an uphill battle with the hospital.
My parents are coming next month, so I did a detailed research on all the insurance firms, both in India and in USA and I found that most of the ICICI or Tata-AIG plans have limited coverage, which limits the number of days in an ICU or visits by doctors etc.. Even if the plan has a $100K max, the plan may only cover upto $1000 per day for 30 days or so and then there is limitation for ICU and other surgeries. However, if you take a comprehensive coverage, then whatever the expenses, or wherever the charges are incurred, it does not matter. The total amount upto $100K will be covered and it does not limit ICU charges or room charges or doctor visits etc.
The only reason we need an insurance for parents is to cover emergencies, rather than regular doctor visits. Generally, any emergency run 60-70K, so I would recommend a minimum of $100K and do a comprehensive coverage. I have worked with IMG or check this guy at http://www.visitorshealthinsurance.com/
I even called IMG to ensure that this guy is an authorized re-seller/broker for the insurance.
Additionally, I did not find any insurance that covers pre-existing conditions. So just pray that they are healthy during their stay in US.
Yes, it is little expensive, but better peace of mind with comprehensive. If you do a local US insurance, then it is easy to get the insurance paper work done, when needed, rather than doing an Indian based insurance, which may need additional paper work and money transfer may get delayed.
My parents are coming next month, so I did a detailed research on all the insurance firms, both in India and in USA and I found that most of the ICICI or Tata-AIG plans have limited coverage, which limits the number of days in an ICU or visits by doctors etc.. Even if the plan has a $100K max, the plan may only cover upto $1000 per day for 30 days or so and then there is limitation for ICU and other surgeries. However, if you take a comprehensive coverage, then whatever the expenses, or wherever the charges are incurred, it does not matter. The total amount upto $100K will be covered and it does not limit ICU charges or room charges or doctor visits etc.
The only reason we need an insurance for parents is to cover emergencies, rather than regular doctor visits. Generally, any emergency run 60-70K, so I would recommend a minimum of $100K and do a comprehensive coverage. I have worked with IMG or check this guy at http://www.visitorshealthinsurance.com/
I even called IMG to ensure that this guy is an authorized re-seller/broker for the insurance.
Additionally, I did not find any insurance that covers pre-existing conditions. So just pray that they are healthy during their stay in US.
Yes, it is little expensive, but better peace of mind with comprehensive. If you do a local US insurance, then it is easy to get the insurance paper work done, when needed, rather than doing an Indian based insurance, which may need additional paper work and money transfer may get delayed.
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pansworld
12-02 01:17 AM
Maybe I am being naive. But we are not a political organization. I sure do hope we are not. We should be open, clear and precise about our goals and our funding sources/drives. Frankly our opponents pump in millions of dollars into their effort. Maybe one of these days we can compete with them monetarily. But all I know is they can get millions of dollars but not 25000 committed members.
Also please consider that charging people for reading posts et al or instituting monthly payments will drive people away. People who cannot pay will not pay. All we lose is participation which is more important. You will agree that we want more participation not less.
Hence IMHO we disclose our goals. We disclose our costs up front. We have nothing to hide.
Also please consider that charging people for reading posts et al or instituting monthly payments will drive people away. People who cannot pay will not pay. All we lose is participation which is more important. You will agree that we want more participation not less.
Hence IMHO we disclose our goals. We disclose our costs up front. We have nothing to hide.
arrarrgee
07-17 12:25 PM
As someone mentioned on the other popst..DREAM ACT is for the children of illegal immigrants...not for the legal ones...
Yeah, we have to focus on long term relief. Getting AP and EAD is not a long term solution. I was hoping 'capturing unused numbers' or something better would happen with this July fiasco fix, does not seem to be happening now.
Hopefully this DREAM act will trigger more amendments like 'no limits on STEM EB visas' to get into pending bills...
Yeah, we have to focus on long term relief. Getting AP and EAD is not a long term solution. I was hoping 'capturing unused numbers' or something better would happen with this July fiasco fix, does not seem to be happening now.
Hopefully this DREAM act will trigger more amendments like 'no limits on STEM EB visas' to get into pending bills...
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geesee
07-31 10:42 AM
smisachu and all other gurus above -
how do you guys manage to do options/commodities/fx trading without missing prod release? :) you all seem to have lot of knowledge about all this stuff and its good to learn something new (although one like me need to google to understand what smisachu is saying :D)
I invest in stocks and etfs but am very impatient when it comes to maximize profits.. i like to take small small profits (5% to 7%) instead of one big kill.. btw, can someone suggest good REIT etfs? (sorry, not related to original commodities topic)
how do you guys manage to do options/commodities/fx trading without missing prod release? :) you all seem to have lot of knowledge about all this stuff and its good to learn something new (although one like me need to google to understand what smisachu is saying :D)
I invest in stocks and etfs but am very impatient when it comes to maximize profits.. i like to take small small profits (5% to 7%) instead of one big kill.. btw, can someone suggest good REIT etfs? (sorry, not related to original commodities topic)
more...
shankar_thanu
07-17 02:15 PM
I understand DREAM act is not related to EB issues. What I meant was, just like how DREAM act is being added to an unrelated bill, we should work on adding things like 'unlimited STEM visas' and 'recapture unused numbers' to other bills and get them passed.
IV core will need lot of support to do accomplish this, hope at least some of the folks who got into IV because of the july fiasco contribute funds.
IV core will need lot of support to do accomplish this, hope at least some of the folks who got into IV because of the july fiasco contribute funds.
NIW
11-14 01:36 PM
Thanks guys for your suggestions. But no thanks!
Let me continue with my action while you continue with yours.
My posts are not intended for you. They are meant for the rare breed that think they can make a difference in this world. I'm sorry to know you aren't that.
I would rather spend my time working for causes that I beleive - IV as well as Immigrants Rights, instead of wasting time on an on-line brawl. I'm sure you guys also have better things to do in life.
Let's just move on.
I totally agree with you on this hypocrite Lou Dobbs and also admire your determination and sticking to your views. I too belive that we can make a change if we are determined. I have written my views to the radio station eventhough I don't listen to that channel as I live somewhere far. I hate to side track the issue but I couldn't control my self to accept that Alexander was great( that apprears in your posts) I stongly belive that he was not great but was a coward (I came to conclusion after reviewing the history)
Let me continue with my action while you continue with yours.
My posts are not intended for you. They are meant for the rare breed that think they can make a difference in this world. I'm sorry to know you aren't that.
I would rather spend my time working for causes that I beleive - IV as well as Immigrants Rights, instead of wasting time on an on-line brawl. I'm sure you guys also have better things to do in life.
Let's just move on.
I totally agree with you on this hypocrite Lou Dobbs and also admire your determination and sticking to your views. I too belive that we can make a change if we are determined. I have written my views to the radio station eventhough I don't listen to that channel as I live somewhere far. I hate to side track the issue but I couldn't control my self to accept that Alexander was great( that apprears in your posts) I stongly belive that he was not great but was a coward (I came to conclusion after reviewing the history)
more...
mbartosik
12-14 10:01 AM
... in the subject and the body of your post, I'm guessing it's not really a typo... :)
jazz
just sleepy :confused:
jazz
just sleepy :confused:
2010 Just wait for V-CSL#39;s Demo to
abqguy
01-31 11:37 AM
Hopefully, this question will be picked for the debate.
more...
Life2Live
01-31 10:34 AM
Under Most popular 10 and 23 looks more or less same so vote for both. Question number 38 on Democractic Candidate now.
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mk26
01-21 09:54 AM
I am in , can any one tell me if we can fight to get our social security money if they target only H1bs, why don't they do this also who will deported should get the money contributed to social security and medicare
more...
GCSOON-Ihope
12-09 09:07 AM
GcSoon-Ihope is from France. I thought that retrogression is mainly for India with some effects on China, Philipines and Mexico.
Please explain why bulletins are applicable to you. Thanks.
Merry Christmas!
Look more closely at a visa bulletin. You will see that in EB3, all countries are retrogressed...
Please explain why bulletins are applicable to you. Thanks.
Merry Christmas!
Look more closely at a visa bulletin. You will see that in EB3, all countries are retrogressed...
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Jaime
06-16 01:16 AM
Somehow "spinster" sounds so drastic and final...
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hyddsnr
04-30 08:39 PM
Yes, I have the same question. Everything is a good practice recommendation. That is confusing.
And I thought it was one year. Is it 6 months?:confused:
Hi,
I heard it is six months. But someone should clarify whether its 6 or 1 yr. And also it is really necessary to work for 6 months/1 Yr or not??
And I thought it was one year. Is it 6 months?:confused:
Hi,
I heard it is six months. But someone should clarify whether its 6 or 1 yr. And also it is really necessary to work for 6 months/1 Yr or not??
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abhijitrajan
07-17 07:31 AM
Thanks for editing. signed.
Abhijit, you are correct about the quotation marks. Unfortunately I had to create a new petition since I couldn't modify the old one as it was already signed. I guess I messed up and overstated certain things in the old petition.
Sincere apologies. Please sign new petition.
http://www.petitionspot.com/petitions/loudobbs
Abhijit, you are correct about the quotation marks. Unfortunately I had to create a new petition since I couldn't modify the old one as it was already signed. I guess I messed up and overstated certain things in the old petition.
Sincere apologies. Please sign new petition.
http://www.petitionspot.com/petitions/loudobbs
more...
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vsrinir
09-17 12:01 PM
Here is the link
http://judiciary.house.gov/hearings/calendar.html
click on todays date.
It will pop up
http://judiciary.house.gov/hearings/calendar.html
click on todays date.
It will pop up
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JazzByTheBay
12-14 09:39 AM
... in the subject and the body of your post, I'm guessing it's not really a typo... :)
jazz
Guys, I'm not sure how useful this pole will be, since I suspect that those answering it will not be a statistically representative sample of IV membership, or it is at least hard to demonstrate that it is.
jazz
Guys, I'm not sure how useful this pole will be, since I suspect that those answering it will not be a statistically representative sample of IV membership, or it is at least hard to demonstrate that it is.
more...
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insbaby
07-19 05:40 AM
My lawyer sent me the fedex tracking sheet for the I-485 package sent to:
USCIS
Nebraska Service Center
850 S Street
Lincoln, NE 68508
I did not see any PO Box on the Fedex tracking sheet. I am not sure if she put the PO Box on the shipping label or not??
Is it a big deal?? Will my application be accepted.
Please help
Edit/Delete Message
Thats why it was sent to the PHYSICAL ADDRESS of USCIS.
USCIS
Nebraska Service Center
850 S Street
Lincoln, NE 68508
I did not see any PO Box on the Fedex tracking sheet. I am not sure if she put the PO Box on the shipping label or not??
Is it a big deal?? Will my application be accepted.
Please help
Edit/Delete Message
Thats why it was sent to the PHYSICAL ADDRESS of USCIS.
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sss9i
07-16 11:10 AM
Done
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Legal
11-06 02:03 PM
Actually, not all he said was wrong.
I totally support reform in the H1 process with a target to reduce fraud. That will ultimately benefit people like us who will come here on H1B in future.
Please don't fire me for taking his side, I'm not. I'm in favour of market deciding what it needs, but I'm 100% against fraud, and all of know these so called consulting companies ARE indulging in fraud..
These sentiments are understandable.....but......
"I know the American people want a sensible system in place that gives their children a chance at these highly skilled jobs".
Here at best he is massively overblowing/ magnifying the abuse.
So the American children "don't have a chance" (?!!) now and these "reforms" will give them a chance?
I know groups that represent workers and visa holders want reforms
Interesting to note that he is even aware that visa holders want reforms. But we shouldn't be surprised if he and Dick intoduce a new bill offering stringent H1B restrictions with very little or no scope for EB backlog elimination.
I totally support reform in the H1 process with a target to reduce fraud. That will ultimately benefit people like us who will come here on H1B in future.
Please don't fire me for taking his side, I'm not. I'm in favour of market deciding what it needs, but I'm 100% against fraud, and all of know these so called consulting companies ARE indulging in fraud..
These sentiments are understandable.....but......
"I know the American people want a sensible system in place that gives their children a chance at these highly skilled jobs".
Here at best he is massively overblowing/ magnifying the abuse.
So the American children "don't have a chance" (?!!) now and these "reforms" will give them a chance?
I know groups that represent workers and visa holders want reforms
Interesting to note that he is even aware that visa holders want reforms. But we shouldn't be surprised if he and Dick intoduce a new bill offering stringent H1B restrictions with very little or no scope for EB backlog elimination.
i4u
11-19 08:47 AM
Anybody who has had a parent with diabetes and taken insurance? If there were any problems, did the insurance pay the costs? If possible can you also mention what problems came up during the stay.
Thanks.
Thanks.
gsc999
02-14 08:14 PM
Ghandi said:
1)- 1st they ignore you
2) - Than they laugh at you
3) - After that they fight with you
4) - Than you win!!
I count the awareness that IV has created in the community about our issues among one of the successes of this organization. If "do-nothing" people like viva and his posse can spend so much time on our website that is an achievement. Per Gandhi's continuum we are in the 2nd/3rd stage:D
Soon my lovelies soon! We shall win some relief and that would be the day I will remember for a long time. You all can imagine what these people would be doing ;)
1)- 1st they ignore you
2) - Than they laugh at you
3) - After that they fight with you
4) - Than you win!!
I count the awareness that IV has created in the community about our issues among one of the successes of this organization. If "do-nothing" people like viva and his posse can spend so much time on our website that is an achievement. Per Gandhi's continuum we are in the 2nd/3rd stage:D
Soon my lovelies soon! We shall win some relief and that would be the day I will remember for a long time. You all can imagine what these people would be doing ;)
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