US Immigrant insurance plans

Insurance for Green Card holders There are several thousands of travelers coming to the US every year. Many of these visitors are visiting for short stays while others come to live longer in the US. One significant group traveling to the United States are prospective immigrants. These are people who come to the US and over time settle down permanently in the US as immigrants. They initially come as temporary residents to work, study or do research and then apply for the permanent residency in the US. The United States immigration authorities issue Permanent Residency status commonly known as Green Card’s to eligible applicants after rigorous vetting of applicants. These prospective immigrants are likely to stay in the US for long periods. Health Care is something that everyone who comes to the US has to be aware of considering that that healthcare in the US is very expensive and one simply cannot afford to be uninsured while in the US. Till they are eligible for domestic US healthcare, it is important that they have proper health insurance.

Keeping this in mind, US insurance companies have designed health insurance plans for this group of prospective immigrants. American Visitor Insurance offers US immigrant health insurance products for this group of people till they are eligible for US domestic insurance options. Best US immigrant Health insurance plans are similar to visitor insurance plans but are available for longer durations and can be renewed. They offer coverage for unexpected sickness and injury. They also cover repatriation, emergency evacuation and some cover acute onset of pre-existing conditions, however they offer no coverage for preventive care.

US immigrant insurance required for US visa

On October 4th, 2019, the Donald Trump administration has announced that the US government will insist on proof of adequate US immigrant health insurance without which visas to enter the US will be denied. This new rule is expected to become effective on November 3rd 2019. The Trump administration states that new immigrants who enter the US without proper US immigrant insurance add to the burden of US taxpayers for the cost of their healthcare.

Once this policy comes into effect, prospective new US immigrants would be asked for proof of immigrant health insurance coverage. The Visas can be denied if the consular office is not satisfied by the provided proof of health insurance in the US.

American Visitor Insurance provides the customers with an exclusive US immigrant medical insurance quote compare facility where a quote is provided among various available plans by entering the relevant details in a quote form.

Along with this the website provides access to the specific plans and detailed benefits by providing specific links to the product brochures. Plans are categorised for different immigrant groups such as for Green Card holders traveling outside country, Green Card holders living permanently in the US, recent Immigrants, applied and waiting for Green Card... Some of the popular plans suitable for immigrants regardless whether permanently in the US or traveling out or waiting for Green Cards are:
Patriot America Plus: This is a comprehensive plan from the company International Medical Group(IMG). This plan is available for the immigrants like Green Card holders and is available for US citizens visiting US for short term while they reside outside the US permanently.
Inbound Immigrant: This plan is a fixed plan and is from the company Seven Corners. This plan is renewable for 5 years making it another choice for immigrant insurance plan.

Some of the immigrant medical insurance options and some highlights of these plans is also highlighted in this page. The quote form which is the highlight of this page is just made so intuitive and user friendly. This asks for the age of the primary, age of spouse and dependent if applicable, coverage limit which is the policy maximum, deductible amount, citizenship status, mailing address and the coverage preference. The coverage preference option gives options to select the pre-existing coverage. When you get the quote, the summary page shows the right plans for your criteria and specific details.

  
Age
Spouse Age
Start Date
End Date
Comprehensive plans pays for all expenses after the deductible and co-insurance component and are recommended given the high costs of health care in the US.
Visit USA Standard by Travel Insurance Services
  • Maximum coverage#1
  • Deductible#2
  • Key Features:  Standard Plan offers coverage for unexpected illness and injury along with travel assistance benefits.
  • More...
  • $33.79 PER MONTH BUY
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Patriot America by International Medical Group
  • Maximum coverage#1
  • Deductible#2
  • Pre-Existing Cover
  • Eligibility Under 65 years of age plan must be bought within 6 months of arrival in US. Over 65 years of age plan must begin within 30 days of arrival
  • Key Features: Great coverage for a great price. Offers coverage for pre-exixisting conditions upto plan maximum. More...
  • $37.00 PER MONTH BUY
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Atlas America by TokioMarine HCC
  • Maximum coverage#1
  • Deductible#2
  • Key Features: Always eligible for purchase no matter what age and how long a person has been in the US More...
  • $42.16 PER MONTH BUY
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Fixed benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Visitor's Care by International Medical Group
  • Maximum coverage#1
  • Deductible#2
  • Eligibility Over 65 years plan must begin within 30 days of arrival in the US
  • Key Features: Coverage for pre-existing conditions regardless of age
  • More...
  • $38.00 PER MONTH BUY
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Inbound Immigrant by Seven corners
  • Maximum coverage#1
  • Deductible#2
  • Eligibility Plan must be bought within 24 months of arrival in US
  • Key Features: Specifically designed for recent immigrants
  • More...
  • $49.91 PER MONTH BUY
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Inbound USA by Seven corners
  • Maximum coverage#1
  • Deductible#2
  • Eligibility Plan must be bought within 12 months of arrival in US
  • Key Features: Covers pre-existing like any other condition for those under 70 years
  • More...
  • $63.55 PER MONTH BUY
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#1: Maximum Coverage is the maximum eligible medical expenses that the plan will cover.

#2: Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.

Immigrant plans are long term plans with some being renewable up to five years, and they cover medical expenses incurred during sudden illness or injuries. Some plans like the Geo Blue Explorer can also cover pre-existing medical conditions and preventive care, but policy issuance is not guaranteed and needs have an underwriting approval.

Resourceful New Immigrants health insurance information

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Tagged by Immigrants in the USA | Green card holders in the USA | International visitors in the USA | Insurance for green card holders

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