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Best medical insurance for Green Card Holders over 70 in USA

Green Card Holders health insurance cost

Is healthcare free in the USA for Green Card Holders?

No, healthcare is not free in the USA, even for Green Card holders. Green Card holders, like all residents, need to have health insurance to cover medical costs. While they may qualify for programs like Medicare or Medicaid if they meet certain eligibility criteria, they still need to pay premiums, deductibles, and other out-of-pocket expenses. It's crucial for Green Card holders to choose a suitable health insurance plan to avoid high medical costs, as medical care in the U.S. can be very expensive.

Medical insurance for Green Card Holders over 70

Medical insurance for Green Card Holders over 70 can be challenging, especially if they are new US immigrants. Health insurance for Green Card Holders over 70 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 70 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 70 years medical insurance plans. These plans work as interim options till they are eligible for Medicare.

How much should I pay for health insurance for parents on Green Card?

Travel insurance USA Coverage Deductible Provider Network Cost #
Safe Travels Elite Diamond Trawick International $50,000 $100 First HealthCare $108.81
Patriot America Lite IMG $50,000 $250 United HealthCare $234
Safe Travels USA Trawick International $50,000 $250 First HealthCare $252
Patriot America Plus IMG $50,000 $250 United HealthCare $257
INF Standard X INF $50,000 $250 United HealthCare $264
Diplomat America Global Underwriters $50,000 $250 No PPO $353
Safe Travels USA Comprehensive Trawick International $50,000 $250 First HealthCare $364
INF Safe Traveler USA X INF $75,000 $500 United HealthCare $775

# Approximate cost of Green Card Holders health insurance is for a 70-year-old visitor for a duration of 1 month

Health insurance for elderly Green Card Holders

  • The Patient Protection and Affordable Care Act (PPACA) also known as Obama Care 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.
  • The ideal medical insurance for parents on Green Card will depend on the insured's age, the length of stay in the US, and your budget for the health insurance for elderly parents on green card.
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What does medical insurance for Green Card Holders over 70 cover?

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Health care expenses

Covers hospital expenses for sickness or accidents.

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Doctor visit

Insures Doctor visits for sudden injury or sickness.

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vaccines

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

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Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.

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ambulance

Medical evacuation

Medical evacuation expenses to nearest facility included.

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procedure

Repart of remains

Repatriation of remains to home country included.

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Are senior Green Card Holders eligible for Medicare?

Are Green Card Holders Eligible for Medicare?

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:

  • Age: Be 65 years or older, or meet specific disability criteria if under 65 (such as receiving Social Security Disability Insurance (SSDI) for 24 months, or having end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS)).
  • Residency: Have lived in the U.S. as a legal permanent resident for at least 5 consecutive years.
  • Work History: Have worked and paid Medicare taxes for at least 10 years (40 quarters) through employment in the U.S., or be married to someone who has.

If you haven't paid Medicare taxes for 10 years and don't qualify for premium-free Part A, you'll need to buy Part A and also pay premiums for both Part A and Part B. For 2025, if you've worked less than 30 quarters, the Part A premium is approximately $518. If you've worked 30-39 quarters, the premium is about $285. Part B, which covers outpatient care and preventive services, will have a standard monthly premium of about $185 in 2025.

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).

What are the steps to buy health insurance for elderly Green Card Holders online?

Step 1

Find Green Card Holders health insurance plans
Complete the Green card holder health insurance quote form with relevant details.

Step 2

Compare Green Card Holders medical insurance cost
Compare Green Card Holders medical insurance cost.

Step 3

Buy the best us green card health insurance for your needs
Buy the plan that best fits your needs and budget using a credit card and completing the online application.

Step 4

Review the policy documents and save them for future use
Review the US Green Card medical insurance policy documents received by email for coverage details and contact numbers.

What are the health insurance options for senior citizen Green Card Holders?

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Renewal of medical insurance for Green Card holder senior citizen parents

Can buy health insurance for elderly Green Card immigrant parents from a few days up to 5 years.

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Health insurance for elderly immigrant parents purchasing options

Available as monthly, quarterly, semi-annually or annual increments.

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What is the eligibility for buying health insurance for 70 year old Green Card Holder?

Health insurance for elderly immigrant parents available even 24 months after arriving in the US.

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Interim health insurance while waiting for Green Card

Health insurance for elderly parents on Green Card till they are eligible for domestic US health plans.

Health insurance for elderly Green Card Holders FAQs

1. Is medical insurance mandatory for Green Card Holders?

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.

2. What is the best health insurance plans for seniors over 70 with Green Cards in USA?
Patriot America Plus: Available for Non US citizens travelling to the USA. Green Card Holders who live outside the US can purchase this plan.
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Fixed benefit plan
Safe Travels Elite:
Available for non U.S. residents and non U.S. citizens, traveling including the USA. Covers up to $25,000 for cardiac issue or stroke up to 69 years and $15,000 for people age 70 to 89 years. Ideal for Green Card Holders.
3. Can you get health insurance while waiting for Green card?

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.

4. Can I find cheap medical insurance for Green Card seniors over 70?

Yes, it is possible to find cheap health insurance for Green Card senior over 70. 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 70 years can find affordable medical insurance for those over 70 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 70.

5. How much is Green Card insurance for 70 year old cost?

How much is health insurance for seniors in the USA?

Green card insurance for a 70-year-old can cost $108 per month for a $50,000 plan.

The cost of short term health insurance for Green Card Holder over 70 years which focuses on the health of the Green Card Holder depends on the following:

  • The age and health of the Green Card Holder (older the Green Card Holder, higher the cost)
  • The length of coverage that you are buying the insurance.
  • The medical maximum coverage limit chosen (higher the coverage, higher the cost)
  • The deductible and co-insurance of the insurance.
  • Any add-on benefits (pre-existing conditions coverage etc.. cost more)
6. What health insurance can a 70 year old get in the US?

A 70 year old in the US has several health insurance options to choose. The primary option is Medicare, which includes Part A (hospital insurance) and Part B (medical insurance). They can also consider Medicare Advantage (Part C) plans, which offer additional benefits, and Medicare Part D for prescription drug coverage. For those who do not qualify for Medicare, Green Card Holders over 70 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.

Popular travel insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure and INF insurance.

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