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.
Comprehensive plans
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.
Medical insurance for green card holders over 65 can be challenging, especially if they are new US immigrants. Health insurance for green card holders over 65 years old is complex unless they have lived in the U.S. for at least five years and meet other specific requirements like having worked in the US for 10 years (40 quarters) to eligible for Medicare. If they have lived for 5 years in the US, they can pay higher premium and be eligible for Medicare coverage. If however Medicare is not an option, Green Card Holders over 65 years can buy travel health insurance available on American Visitor Insurance, which provide health insurance coverage but will not cover preventive care or has limited coverage for pre-existing ailments. 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.
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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Can buy health insurance for elderly Green Card immigrant parents from a few days up to 5 years.
Available as monthly, quarterly, semi-annually or annual increments.
Health insurance for elderly immigrant parents available even 24 months after arriving in the US.
Health insurance for Green Card holders senior citizen parents till they are eligible for domestic US health plans.
Yes, it is possible to find cheap health insurance for Green Card senior over 65. Ideally older Green card holders should be enrolled in Medicare, however this might not be an option for new Green card holders who have lived less than 5 years in the US. American Visitor Insurance offers travel health insurance which provide health coverage in the US, but exclude preventive care and have limited coverage for pre-existing conditions.
By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, Green card holders over 65 years can find affordable medical insurance for those over 65 years to suit their specific budget and requirements. It is recommended that one compares plans both for price as well as benefits on American Visitor Insurance to find the most cost-effective Green card insurance for seniors over 65.
The cost of short term health insurance for Green card holder over 65 years which focuses on the health of the Green card holder depends on the following:
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.
Patriot America Plus and Patriot Platinum Insurance for Green Card holders over 65 years are available as long as they maintain a residence outside the US. These plans offered by IMG are specifically designed for short term travel to USA.
Commonly asked questions about Green Card Visa health insurance.
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