INF Choice Plan: Frequently Asked Questions
Who is eligible for the INF Choice Plan?
Any Non-US Citizen & US Expatriate can apply for the INF Choice 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+.
Why should I purchase the INF Choice Plan?
The INF Choice Plan provides affordable but durable insurance. The Choice Plan covers major medical events and in-patient, emergency hospitalizations for both new sicknesses & pre-existing conditions. The Choice Plan is the best option for individuals seeking to mitigate the risk of a large medical bill burdening your family. The Choice Plan provides excellent coverage & will protect your family when the time comes.
Who underwrites the Choice Plan?
AXIS Insurance Company based out of Chicago, IL is the underwriter for the Choice Plan. INF only uses American Underwriters to protect policyholders. INF policies regulated by the State Insurance authority. ALL other Visitors Insurance Plans are underwritten by foreign companies, meaning they are not regulated. This means policy holders do not have ANY recourse for unpaid claims. With INF Choice Plan, you get the peace of mind you want, with the coverage you need.
Are the Choice 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 renew the Choice Plan?
You are able to renew the Choice 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.
Will this plan cover pre-existing conditions?
The Choice Plan does not cover pre-existing conditions. We recommend individuals below 50 years of age who do not have any pre-existing conditions enroll in this program.
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 ($5) are non-refundable. After the policy start date, the premium is fully earned and therefore impossible to refund.
Will the INF Choice cover Travel?
The Choice 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, only provided by the INF Choice Plan.
Will this Cover Dental?
Yes. The INF Choice 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 Choice Plan works in all 50 states. All INF Plans work in the entire United States. There is no need to worry when you are traveling with an INF Plan. The Choice Plan also uses the First Health PPO Network. Find providers here
What's the minimum enrollment for the Choice Plan?
The minimum enrollment period for this plan is 30 days. The maximum enrollment period is 300 days from the first date of enrollment.
How do I pay for this Plan?
INF accepts all major credit card for for payment (Visa, Discover, Mastercard, American Express). Checks and Money Orders are also accepted with a paper application.
How do I apply for the Choice Plan?
INF has an online application available where you can apply for this plan. Or, you can reach INF at 408-634-0065 and they will be able to help you complete the application over the phone.
Where can I use this Plan?
The Choice Plan uses the First Health PPO Network. This is one of the largest PPO networks in the nation member health care providers in every locality. This PPO Network contracts with the Insurance company to provide pre-negotiated, discounted medical rates to insured individuals. Moreover, insureds can take advantage of cashless claims. No longer will you need to pay hospital bills upfront & then submit claims forms, waiting sometimes months for reimbursement. Instead, the health care provider will bill the insurance directly, meaning your out of pocket expense is limited to your deductible.
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 the INF claim forms 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:
PO Box 99906
Grapevine, TX 76099-9706
EDI Payor #: 75261