Unless a Premier Plan is purchased, pre existing conditions are not covered. Every policy holder with pre existing coverage can use the physician consultation service (on Phone) offered by India Network Foundation during their stay in the United States for a small fee of $35 per consultation. The consultation can be requested by completing the Consult A Doctor Form. The Physician consultation can be used for prescription refills, discussion of current medications, seeking second opinions, or non-emergency illnesses. All participating physicians are USA Board Certified and practicing physicians in USA.