FAQ

DIANins plans are designed for non-U.S. Citizens. International students, scholars, highschool student, OPT and visiting Travelers can be enrolled at DIANins plans. In case of Student plan, all students should be a full-time status as of effective date.

Sure, you can buy DIANins plans wherever you are staying now.

In case of F2/J2 visa holders, they can buy student plan with primary participant(F1), however the premium is so expensive. Therefore F2/J2 visa holders may purchase the Travel plans. https://www.dianins.com/ata-plan

No, your plan will be invalid after your graduation so please choose the coverage end date wisely.

Unfortunately, you are not eligible to buy DIANins series.

When you apply today, the earlist effective date is tomorrow.

Credit cards and Debit cards are aceptable.

After several seconds, you will receive the email with Insurance ID card, Confirmation letter and Policy number.

If you have a valid EAD card, you can buy DIANins OPTion plan or Option+ plan.

Most of school open waiver application from June to early July, refer to your school page(search your school on www.dianins.com)

When you search your school, you can find out " International Student Guideline ". Refer to that link !

Check out your email from DIANins, Insurance ID card, Confirmation letter and Policy numbers are required.

Yes, if you received denial email on waiver application from school, forward it to dian@dianins.com along with received confirmation letter and ID card.

Give us screenshot !, we will fill it in for you as soon as possible.

Usually, the rates of services fee is negotiated in advance with insurance company. Your total payment will be lower than out-of Network.

Most of In-network provider file a claim to insurance company directly on behalf of your. However we recommend you ask to provider whether they do file a claim on behalf of you.

Before making an appointment, please double check if the provider still belong to your PPO since there will be added facilities also removed facilities.

A primary care provider is a person who treats your for illness and provides your regular check-ups. Primary care providers provide preventive care, treat common medical conditions and make referrals to specialists when necessary. The co-payment due at your primary care provider's office is often less than the co-payment at a specialist's office.

A specialist is a medical provider who specializes in a particular area of medicine. Your primary care provider might refer you to a specialist if he or she feels your medical condition requires focused attention

Login "My account" then extend your period. The maximum of total period is 364 days. After expiration, you can repurchase it.

After purchase, you cannot upgrage or change your plan.

DIANins plans cannot be cancelled unless your waiver application was denied by school within 30 days of purchase.

There are 6 types of health insurance.

DIANins series belong to PPO type which is the most favorite item in USA.

When you use out-of network, you can experience the below Indemnity Health Plan procedure !

Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. This set of contracted providers is generally known as "the network." HMO plans generally won't cover out-of-network care, except in an emergency or during travel. An HMO may require you to live or work in its service area to be eligible for coverage.

Point-of-Service Plan (POS): A type of plan in which you pay less if you use doctors, hospitals, and other health care providers that belong to the plan's network. POS plans may require you to get a referral from your primary care doctor in order to see a specialist.

Preferred Provider Organization (PPO): A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan's network. You can use doctors, hospitals, and providers outside of the network for an additional cost.

High Deductible Health Plan: A plan that features higher deductibles than traditional insurance plans. High Deductible Health Plans can be combined with a health savings account or a health reimbursement arrangement to allow you to pay for qualified out-of-pocket medical expenses on a pre-tax basis.

Indemnity Health Plan: An indemnity plan offers more freedom in choosing which doctors and hospitals to use, typically has higher out-of-pocket costs and more paperwork. An indemnity plan usually has a higher deductible, but once the deductible is met, the insurance company will begin to pay your insurance claims based on the typical service rate in your area. Often times, you may be required to pay for the service up front and be reimbursed by the insurance company.

Catastrophic Plan: Currently, some insurers describe these plans as those that only cover certain types of expensive care, like hospitalizations. Other times insurers mean plans that have a high deductible, so that your plan begins to pay only after you've first paid up to a certain amount for covered services.

You should pay the medical bill then request a reimbursement to insurance company. Need a claim form and itemized medical bill and other relevant documents. See the https://www.dianins.com/claims

elaims will faster than post mail process. Usually it will take 10 to 14 business days to receive the reimbursement.

Filing a claim form is only required when medical service provider does not bill to the insurer directly.

In case that medical provider does not file a claim on behalf of you, download claim form and send claim form and all itemized bills and documents to eclaims@gbg.com or fax to +1.949.271.2330 or mail to International Claims Services(27422 Portola Parkway, Suite 110 Foothill Ranch, CA 92610 USA

  1. file a claim form with itimized bill and document.
  2. get feedback from insurance company. if further documents are required. You should prepare them.
  3. receive the reimbursement from insurance company via check or electronic method

In order to consult on claims or claim progress, email to customerservice@gbg.com or Toll-free: +1.866.914.5333

The medical clinic located on campus, provides basic medical services for students.

White, Green and Brown plan charge low deductible in Student Health Center and Blue Plans do not charge deductible in Student health Center

Most of school SHC operate same-day appointment system. But when student needs urgent care, just walk in.

Yes, there are usually physicians and certified nurse practioners and physician assistants. But you may search near PPO when you need advanced diagnosis.

When a person is in need of medical intervention, there are three primary options in levels of care to access. The first option should always be a primary care provider. Office-based appointments are typically at least $250 less expensive than other levels of care. Additionally, since a relationship has already been established with a primary care provider, it is most likely that you will receive care that accounts for your previous medical history. Most primary care providers offer various appointment times throughout the day for last-minute appointments. Since you have an appointment time, this will likely be the quickest level of care you receive. When you need medical care, primary care is the best first choice.

When primary care is not available – no appointments are available or your physician's office is closed – the next level of care to access is urgent care. Urgent care facilities are walk-in clinics and do not require appointments. They are staffed by doctors, nurse practitioners, nurses and other medical professionals and are often open seven days per week. Urgent care facilities provide comprehensive medical care for non-life threatening illness or injury such as respiratory issues, ear, eye, or dental complaints, skin issues, injuries to soft tissue or bones, minor head injuries, gastrointestinal issues, and fevers. They often provide x-rays and laboratory services. Urgent care visits are typically less expensive than emergency room visits. Additionally, visits to urgent care facilities generally quicker than visits to an emergency room.

In the case of a true, life-threatening emergency, a person should immediately visit the nearest hospital emergency room. Emergency rooms are best-equipped to address emergency health conditions. Utilizing emergency rooms in cases of non-emergency affect the quality of care that medical professionals are able to offer in to people in true emergencies. Additionally, the wait for non-emergency situations is often much longer, as severe medical cases are treated before the less severe cases.

So where will you go when you are in need of care? Learn where the closest urgency care facility and emergency room is to you and choose the appropriate level of care for your medical condition

If you have White or Brown plan, search Firsthealth / Green, Blue or other plans, Aetna network visit https://www.dianins.com/find-doctors-hospitals

Yes, when you are sick or injured, you should make an appointment among PPO providers. Please check up whether you have an Insurance ID card. The receptionist or doctor may request a insurance ID to verify the benefits.

DIANins Travel plan is recommended. although your parents may stay within 1 month, getting insurance is essential.

1095 form is issued to whom enrolled at ACA compliant plan from marketplace. DIANins plan do not issue 1095 form.

If your current plan still meets the requirements of health insurance of new school, you don't need to change except address and personal information.