Frequently Asked Questions Why you need health insurance in United States? Medical care is very expensive in United States.Health insurance will help you in paying most of the expenses. What is the period of coverage start date and end date? Some policies can have the effective date from the date the Insured Person leaves the home country and can end on the arrival of the Insured Person back in their Home Country. How to file for claims? Once you are enrolled in the plan, you will get ID Card. You can call toll free number on the ID Card to inform about the claim and they will help you in filing the claim. What are the rates and coverages? Rates and coverages will depend on the policy that you choose.