Find the best Green Card Holder medical insurance while in USA
There is no specific requirement for Green Card holders to have medical insurance under U.S. immigration law. However, it is highly recommended to have health insurance coverage to protect against unexpected medical expenses given the very expensive cost of US healthcare.
Yes, they can buy INF travel insurance as long as they have a residence outside the US.
Green card holders who travel frequently to their old home country and who may are staying permanently in the USA are however still advised to buy good US travel health insurance coverage till they reside permanently in the US and get regular domestic US health insurance.
This group of customers should however be aware that these medical insurance for new Green card holders do not cover preventative care (health check-ups, vaccinations...) or have limited coverage for pre-existing medical conditions.
If one has applied for the Green Card and are waiting for permanent residency, they can buy visitor health insurance coverage that is ideal for them till they get the Green card and are eligible for other domestic US health insurance options.
Purchasing Green Card Holder Medical Insurance depends on the specific situation of the Green card holder. The following are broadly the different health insurance options for Green card holders.
It is important understand what your options are based on your specific situation. Compare different Green card health insurance options on American Visitor Insurance to find a plan that best suits your needs and budget if you are not able to get insurance through an employer on through Medicare. Talk to licensed insurance agents on American Visitor Insurance to get guidance based on your specific situation as a Green Card holder.
Green Card holders over 65 years may be eligible for the Medicare if they have lived in the US for Five years and have paid US taxes for 40 quarters (minimum of 10 years). They will not be eligible for Medicare if they have not lived in the US for Five years. At American Visitor Insurance we offer best US health insurance to Green Card holders over 65 years which they can purchase till they are eligible for Medicare.
Medical insurance for Green Card holders over 65 years
Know more »Medical insurance for Green Card holders over 70 years
Know more »Medical insurance for Green Card holders over 80 years
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The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Medical insurance cost for Green card holders varies based on several factors such as the age, medical maximum coverage, deductible for the plan, and the coverage for pre-existing conditions. There are cheap Green Card holders health insurance plans starting at $38 per month.
| Travel insurance USA | Coverage | Deductible | Provider Network | Cost # |
|---|---|---|---|---|
| Safe Travels Advantage Trawick International | $25,000 | $0 | First HealthCare | $38 |
| Safe Travels Elite Trawick International | $25,000 | $0 | First HealthCare | $50 |
| INF Standard X INF | $50,000 | $250 | United HealthCare | $76 |
| Patriot America Lite IMG | $50,000 | $250 | United HealthCare | $157 |
| Safe Travels USA Trawick International | $50,000 | $250 | First HealthCare | $160 |
| Patriot America Plus IMG | $50,000 | $250 | United HealthCare | $173 |
| Safe Travels USA Comprehensive Trawick International | $50,000 | $250 | First HealthCare | $224 |
| Diplomat America Global Underwriters | $50,000 | $250 | No PPO | $262 |
| INF Safe Traveler USA X INF | $150,000 | $500 | United HealthCare | $341 |
| Patriot Platinum IMG | $1M | $250 | United HealthCare | $379 |
# Approximate cost of Green Card holders health insurance is for a 65-year-old parent or seniors for a duration of 1 month.
Green Card Holders (lawful permanent residents) can qualify for Medicare if they meet certain requirements related to age, residency, and work history.
To be eligible for Medicare, Green Card Holders must meet the following conditions:
If you haven't paid Medicare taxes for 10 years and don't qualify for premium-free Part A, you may need to buy Part A, but you will still be required to pay premiums for both Part A and Part B. If you've worked less than 30 quarters, you will pay approximately $505 per month for Part A (2024 rate). If you've worked 30-39 quarters, the premium is about $278 per month (2024 rate). For those who need to pay for both Part A and Part B, the combined premiums can be costly, so some Green Card Holders may opt for other private health insurance options until they qualify for premium-free Medicare Part A. Part B covers outpatient care, doctor visits, and preventive services. Unlike Part A, there is no work history requirement for Part B. Everyone pays a monthly premium for Part B, which in 2024 is approximately $174.70 (higher if your income exceeds certain limits).
Your Initial Enrollment Period lasts for 7 months which starts 3 months before your 65th birthday month, then includes the month of your 65th birthday and finally ends 3 months after your birthday month. If you miss your Initial Enrollment Period, you can sign up during the General Enrollment Period, which runs from January 1 to March 31 each year. You may face a late enrollment penalty for Part B (and sometimes Part A) if you delay enrollment without having other creditable coverage (such as employer insurance). You may qualify for a Special Enrollment Period if you delayed enrolling in Medicare due to having other creditable coverage (e.g., through an employer or union).
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The cost of US health insurance is directly proportional to the age of the Green card holder. The older the Green card holder and greater will be the cost of the US health insurance.
Comprehensive health insurance which provide exhaustive coverage are more expensive than fixed benefit medical insurance.
The price of medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
The longer the duration of medical insurance required, the higher will be the cost.
New Green Card holders are no longer mandated to have health insurance as earlier mandated by Obamacare. However, being uninsured in the US is very risky given the high cost of healthcare, and till Green card holders become eligible for Medicare or other domestic US health insurance, they can buy travel health insurance that is offered on American Visitor Insurance.
In this interim period till they get domestic health insurance coverage, it is important to buy proper Greencard holders medical insurance, in particular, medical insurance for Green card holders over 65. The medical insurance for Green card holders in USA listed here are very popular health insurance for permanent residents.
Another group of Green card holders for whom our short term visitor insurance work well are those who live outside the US for long period of time. These US permanent residents can buy either the Global medical plans which provide coverage around the globe or our short term visitor medical insurance plans which can work as temporary health insurance for permanent residents.
Yet another group of interested customers are those who have applied for the US Green card and are waiting for the final approval. Again, since they are not yet eligible for domestic US health insurance, it is very important to have good health insurance while waiting for Green card approval. This group of Green card applicants can also buy our US visitor health insurance plans for their health insurance while waiting for Green card.
Patriot America Plus and Patriot Platinum America can be used by Green card holders as long as they maintain a residence outside the US. These plans offered by IMG are specifically designed for short term travel to USA. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age.
The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. Persons under 70 years of age can get up to $1 million maximum coverage. These plans also covers COVID19 illness up to the maximum of the policy.
INF offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite Network insurance and INF Traveler USA insurance. Green Card holders can buy INF plans as long as they have a residence outside the US.
Trawick International offers two fixed benefit plans namely Safe Travels Elite and Safe Travels Elite Diamond and three comprehensive benefit plans namely Safe Travels USA insurance , Safe Travels USA Comprehensive insurance and Safe Travels USA Cost Saver insurance. These plans are available for Green card holders.
Yes. INF insurances provides coverage for many Green card holders, especially those who are above age 65. INF insurance plans also offer ancillary benefits such as dental and telemedicine which are usually separate policies under domestic US health insurance.
Following are the list of US travel insurance plans:
Patriot America Plus and Patriot Platinum America plans are based on the primary residence country that the member lists on the application. The Green Card holders can buy Patriot America Plus insurance for coverage in the US, as long as their primary residence is outside the US. There is no set amount of time they have to purchase.
However, if they establish a permanent residence in the US, they are not eligible. So if they have a home (purchased or renting) here in the US, they can’t get our coverage. Provided they are eligible, if/when they submit a claim for treatment in the US, we will ask for their proof of residency in another country (renters agreement, bills to that address, etc) Just something showing that they live anywhere else.
Green Card holders can enroll in INF plans initially for up to 1 year at a time. They can then renew their policy. There is no "term limit" for INF plans.
To qualify for Medicare, you must have worked in the US for 40 quarters (10 years) or have a Green card for at least 5 years.
They must go through special membership approval for INF Elite / Premier / Standard / Traveler USA for Greencard holders.Green Card holders can buy INF plans as long as they have a residence outside the US.
Yes, they can buy INF travel insurance.
Yes, Green card holders can get the medical insurance that we offer if they have a permanent address outside the US. Green card holders can get medical insurance quotes and buy the insurance on our website. The short term medical insurance will cover unanticipated medical conditions, but will not cover preventive care and regular treatment for pre-existing conditions. Getting a medical insurance quote is easy by providing the age of the Green card holder and the dates that they need the insurance coverage. We display the different medical insurance for Green card holders and you can compare the different plans based on price as well as the coverage benefits. After choosing the best Green card holder insurance for your needs, you can complete the application online and buy it using a credit card. The policy will be emailed immediately after completing the transaction.
The Affordable Care Act (Obamacare) had made it mandatory for all US residents to have health insurance, however the compulsory insurance requirement has been waived and it is now no longer mandatory to have health insurance. However, given the very high cost of US healthcare, where a regular Doctor’s consultation can take hundreds of Dollars, and Hospitalization overnight can involve thousands, or even tens of thousands of Dollars, it is very risky to be living in the US without any health insurance.
Green card holders can buy the health insurance on American Visitor Insurance if they do not have group health insurance from any employer, or if they are not yet eligible for US Medicare or for other domestic health insurance. The medical insurance for Green card holders that we offer will however not cover preventive care and has limited coverage for pre-existing medical conditions.
Green card holders may be eligible for Medicaid after meeting certain criteria, such as income and residency requirements, set by each state. Medicare eligibility typically requires being a Green card holder for at least five years and meeting other qualifications (age 65 or older, or having certain disabilities). If there are new Green card holders who are not eligible for domestic health insurance or Medicare, they can buy the Visitors Insurance that we offer during this interim period.
Green card holders who are employed in the United States are generally eligible to participate in employer-sponsored health insurance plans, similar to U.S. citizens. It's advisable to check with the employer to understand the available options and any eligibility requirements.
There is no specific requirement for Green card holders to have medical insurance under U.S. immigration law. However, it is highly recommended to have health insurance coverage to protect against unexpected medical expenses given the very expensive cost of US healthcare.
New immigrants or recent Green card holders may have a waiting period before becoming eligible for government programs or employer-sponsored health insurance. It is important to explore alternative options during this waiting period, such as short-term health insurance plans like those offered on American Visitor Insurance.
Green card holders qualify for insurance under the Affordable Care Act (Obama Care program) through the insurance market place.
Click here to read more »The US Green Card, also known as Permanent Resident Card is one of the most important document for immigrants in America. This document was formerly known as the Alien Registration Card. As a Green card holder, the immigrant is authorized to live and work in America on a permanent basis with a Green Card permit.
The Green Permit is a process of becoming a permanent resident of United States and a proof of lawful permanent resident (LPR). The Green Card Holders will be officially granted rights to utilize immigration benefits in America.
Green card holders and new immigrants cannot immediately buy domestic US insurance. Older parents who are recent immigrants and Green card holders more than 65 years are also not immediately eligible for Medicare. Medicare benefits are available for US residents on reaching 65 years if they have paid US taxes for 40 quarters.
New senior citizen Green card holders are not eligible for Medicare for at least five years of continuous living in the US. At American Visitor insurance, we have several options of health insurance for seniors with Green card and for new immigrants till they are eligible for Medicare or other domestic US health insurance.
However given the very high cost of US healthcare, it is very important for new immigrants to have good medical insurance for Green card holders in USA.
New Green card holders cannot buy domestic US healthcare plans, the temporary health insurance that we offer is ideal during this period. We often also have Green card holders who spend a lot of time overseas and want medical insurance for Green card holders in USA only for the limited time that they are in the United States. Again in this situation too, our short term health insurance work well as Greencard Holders Medical Insurance.
Get Quote »Pre-existing condition is a medical ailment that existed before the start of the US health insurance cover. Acute onset of a pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.
Green Card holders with pre-existing conditions always find it hard to find US health insurance. There are various conditions that are considered as pre- existing diseases but some of common ailments in this category are Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. US permanent residents can buy a short term health insurance policy without a medical check, however most insurance providers only provide coverage for acute onset of pre-existing conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. If any of the applicants has one of these conditions it's very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.
Some plans that cover pre-existing conditions for Green Card holders include Patriot America Plus, Safe Travels USA Comprehensive, Safe Travels Elite, Safe Travels USA, INF Elite and INf Premier.
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