Best medical insurance for Green Card Holders over 65

Medical Insurance for Green Card Holders Over 65

Finding best medical insurance for Green Card holders over 65 can be challenging, especially for new U.S. immigrants. Health insurance options for senior Green Card holders depend largely on how long they have lived in the United States and their work history.

To qualify for Medicare, Green Card holders must have lived in the U.S. for at least five years and, have worked for 10 years (40 quarters) to be eligible for premium-free Medicare Part A. Those who meet the five-year residency requirement but lack sufficient work history can still purchase Medicare coverage by paying a higher premium.

However, for Green Card holders over 65 who are not yet eligible for Medicare, travel medical insurance available through American Visitor Insurance offer a valuable alternative. These plans provide essential health coverage for unexpected medical expenses, though they may have limited or no coverage for preventive care and pre-existing conditions.

For those ineligible for Medicare, American Visitors Insurance offers the best Green Card Holders over 65 years medical insurance plans. These plans work as interim options till they are eligible for Medicare.

Who Should Buy Health Insurance for Green Card Holders Over 65?

Health insurance for Green Card Holders is important because many seniors may not yet qualify for Medicare or employer-sponsored coverage. Having the best medical insurance for new Green Card Holders over 65 ensures protection against unexpected healthcare expenses and provides peace of mind while living in the U.S.
You need health insurance for Green Card Holders over 65 years if you are:

• Seniors who recently received their Green Card but has not yet completed the 5-year residency requirement for Medicare.
• A senior immigrant visiting or staying long-term in the U.S. without U.S. employer coverage.
• A dependent parent or relative sponsored by family members in the U.S.
• A retired person spending most of your time in the United States and needing protection from unexpected medical bills.

How to Choose the Best Health Insurance Plan for Seniors Over 65?

• Pre-existing condition coverage: Many plans limit or exclude pre-existing illnesses.
• Deductibles: Higher deductibles mean lower monthly premiums.
• Maximum coverage limit: Choose at least $100,000 for sufficient protection.
• Provider network: Ensure the plan is accepted by hospitals in your area.
• Renewability: Some short-term plans can be renewed if your stay in the U.S. extends.

How Much Does Health Insurance for Green Card Holders Cost?

What Are the Best Travel Health Insurance Plans for Green Card Holders Over 65?

If you are a Green Card holder over 65 years old, traveling in the U.S. means you need the right health coverage. Traditional plans like Medicare may not cover you during trips or outside certain areas. That’s why travel medical insurance designed for seniors is important. These plans often cover pre-existing conditions, urgent care, and COVID-19. These are some of best travel medical insurance plans for Green Card holders over 65 in the United States.

Health Insurance for Elderly Green Card Holders

The Patient Protection and Affordable Care Act (PPACA) also known as Obamacare or Affordable Care Act (ACA), made it mandatory for all US residents to have health insurance. This individual mandate has however since been repealed and it is now not mandatory anymore to have PPACA compliant insurance.

When choosing the best health insurance for elderly Green Card Holders, several factors should be considered — including the individual’s age, length of stay in the United States, and budget. The right plan will depend on whether the person is a new immigrant, a long-term Green Card holder, or someone visiting the U.S. for an extended period.

Are Senior Green Card Holders Eligible for Medicare?

Green Card Holders (lawful permanent residents) in the U.S. can qualify for Medicare, if they meet certain requirements related to age, residency duration, and work history.
To be eligible for Medicare, Green Card Holders must meet the following conditions:

• Be 65 years or older, or
• Be under 65 with a qualifying disability (such as receiving Social Security Disability Insurance (SSDI) for at least 24 months, or having End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS)).

• Must have lived in the United States for at least 5 consecutive years as a lawful permanent resident before applying for Medicare.

• Must have worked and paid Medicare taxes for at least 10 years (40 quarters) in the U.S., or
• Be married to someone who meets this work history requirement.

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).

Travel Health Insurance for Elderly Immigrants in the USA

At American Visitor Insurance, we offer affordable travel health insurance for senior immigrants in the USA. Protect immigrant parents and elderly Green Card seniors over 60 years with coverage for medical emergencies, hospitalization, and pre-existing conditions. Find the best senior immigrant travel medical insurance for pre-existing conditions, offer flexible policy durations that fits your budget and health care needs.

What’s Not Covered in Health Insurance for Elderly Parents on Green Card?

• Routine check-ups, dental, or vision care
• Pre-existing conditions (unless specified)
• Preventive screenings or vaccinations
• Long-term nursing or rehabilitation care

Green Card Holders Senior Citizen Parents - FAQs