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Best Green Card Holders health insurance reviews

Find the best Green Card Holder medical insurance while in USA

Green Card Holders health insurance cost

Which are the best Green Card Holder medical insurance?

The best health insurance for Green card holders over 65 years who are ineligible for Medicare are Patriot America insurance, Safe Travels USA insurance, Diplomat America and INF insurance. Green Card holders who are less than 65 years and working should try to get health insurance with their employer or can purchase short term travel health insurance like Patriot America insurance till they become eligible for US domestic health insurance plans.

What are the best health insurance for Green Card Holders?

  • International Medical Group(IMG) travel insurance reviews

    • star

      Rating
      A(Excellent)

    • health_and_safety

      Plan life
      5 days to 364 days

    • gavel

      Underwriter
      Sirius International

    • ecg_heart

      Acute onset of a pre-existing condition
      Covers up to the age of 70 years

    • attach_money

      In network: Plan pays 100% up to policy maximum
      Out of network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
      Direct billing: Through First health care network or United healthcare

    • local_hospital

      Medical Evacuation
      Upto 50,000

    • attach_money

      Max Coverage
      $50K, $100K, $500K, $1M

    • description

      Deductible
      $0, $100, $250, $500, $1k, $2.5k

    • trending_up

      Cost Range
      $97.65Buy now

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    • star

      Rating
      A(Excellent)

    • health_and_safety

      Plan life
      5 days to 364 days

    • gavel

      Underwriter
      Sirius International

    • ecg_heart

      Acute onset of a pre-existing condition
      Covers up to the age of 70 years

    • attach_money

      In network: Plan pays 100% up to policy maximum
      Out of network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
      Direct billing: Through First health care network or United healthcare

    • local_hospital

      Medical Evacuation
      Upto 50,000

    • attach_money

      Max Coverage
      $50K, $100K, $500K, $1M

    • description

      Deductible
      $0, $100, $250, $500, $1k, $2.5k

    • trending_up

      Cost Range
      $98.43Buy now

    thumb_up Advantages
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    • star

      Rating
      A(Excellent)

    • health_and_safety

      Plan life
      5 days to 12 months

    • gavel

      Underwriter
      SiriusPoint Specialty Insurance Corporation

    • ecg_heart

      Acute onset of a pre-existing condition
      Covers up to the age of 70 years

    • attach_money

      In network: Plan pays 100% up to policy maximum
      Out of network: Plan pays 90% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
      Direct billing: Through First health care network or United healthcare

    • local_hospital

      Medical Evacuation
      Up to the maximum limit

    • attach_money

      Max Coverage
      $2M, $5M, $8M

    • description

      Deductible
      $0, $100, $250, $500, $1k, $2.5k, $5k, $10k or $25k

    • trending_up

      Cost Range
      $221.65Buy now

    thumb_up Advantages
    thumb_down Disadvantages
  • Trawick International travel insurance reviews

    • star

      Rating
      A (Excellent)

    • health_and_safety

      Plan life
      5 to 364 days

    • gavel

      Underwriter
      Zurich Insurance Europe AG Belgian branch

    • ecg_heart

      Pre-existing condition
      Up to $1K unexpected recurrence

    • attach_money

      In network: Plan pays 90% of coinsurance for the first $2,500 then 100% up to the policy maximum.
      Out of network: Plan pays 90% of coinsurance for the first $2,500 then 100% up to the policy maximum.
      Direct billing: Through First healthcare network

    • local_hospital

      Medical Evacuation
      Up to 1M

    • attach_money

      Max Coverage
      50k, $100k, 250k, 500k, 1M

    • description

      Deductible
      $0, $100, $250, $500, $1k, $2.5k, $5k

    • trending_up

      Cost Range
      $107Buy now

    thumb_up Advantages
    thumb_down Disadvantages
    • star

      Rating
      A (Excellent)

    • health_and_safety

      Plan life
      5 to 364 days

    • gavel

      Underwriter
      Zurich Insurance Europe AG Belgian branch

    • ecg_heart

      Pre-existing condition
      Unexpected recurrence up to $1K

    • attach_money

      In network: Plan pays 80% of coinsurance for the first $5,000 then 100% up to the policy maximum.
      Out of network: Plan pays 80% of coinsurance for the first $5,000 then 100% up to the policy maximum.
      Direct billing: Through First healthcare network

    • local_hospital

      Medical Evacuation
      Up to 1M

    • attach_money

      Max Coverage
      $50k, $100k, $250k, $500k, $1M

    • description

      Deductible
      $0 ,$50, $100, $250, $500, $1k, $2.5k, $5k

    • trending_up

      Cost Range
      $96Buy now

    thumb_up Advantages
    thumb_down Disadvantages
    • star

      Rating
      A (Excellent)

    • health_and_safety

      Plan life
      5 to 364 days

    • gavel

      Underwriter
      Zurich Insurance Europe AG Belgian branch

    • ecg_heart

      Acute onset of Pre-existing condition
      Covers up to $25K

    • attach_money

      In network: Plan pays 100% up to policy maximum
      Out of network: Plan pays 100% up to policy maximum
      Direct billing: Through First healthcare network

    • local_hospital

      Medical Evacuation
      Up to 1M

    • attach_money

      Max Coverage
      $20k, $50k, $100k, $250k, $500k, $1M

    • description

      Deductible
      $0, $100, $250, $500, $1k, $2.5k, $5k

    • trending_up

      Cost Range
      $116Buy now

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    thumb_down Disadvantages
  • Global Underwriters travel insurance reviews

    • star

      Rating
      A (Excellent)

    • health_and_safety

      Plan life
      15 days to 365 days

    • gavel

      Underwriter
      Crum & Forster,SPC

    • ecg_heart

      Pre-existing condition
      Covers after 24 months of waiting period

    • attach_money

      In network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
      Out of network: Plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.
      Direct billing: No PPO

    • local_hospital

      Medical Evacuation
      Up to $250K

    • attach_money

      Max Coverage
      Maximum limit up to $1M

    • description

      Deductible
      $0, $50, $100, $250, $500, $1k, $2.5k, $5k

    • trending_up

      Cost Range
      $163Buy now

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  • INF Travel Insurance Review

    INF Elite 90 X Insurance Comprehensive

    • star

      Rating
      A by A.M. Best

    • health_and_safety

      Plan life
      364 days (Minimum Enrolment 90 days)

    • gavel

      Underwriter
      Crum & Forster SPC

    • ecg_heart

      Pre-existing condition
      Covers Full Pre-existing conditions up to 99 years

    • attach_money

      In network: Plan pays 90% of charges up to the total Maximum
      Out of network: Plan pays 70% of the Usual and Customary Charges up to the Total Maximum
      Direct billing: Through United healthcare

    • local_hospital

      Medical Evacuation
      Up to $25k

    • attach_money

      Max Coverage
      Up to $1M (0 - 69 years); $75K (70 - 99 years)

    • description

      Deductible
      Up to $5K

    • trending_up

      Cost Range
      Buy now

    picture_as_pdf Brochures
    thumb_up Advantages
    thumb_down Disadvantages
    • star

      Rating
      A by A.M. Best

    • health_and_safety

      Plan life
      364 days (Minimum Enrolment 90 days)

    • gavel

      Underwriter
      Crum & Forster SPC

    • ecg_heart

      Pre-existing condition
      Covers Full Pre-existing conditions up to 99 years

    • attach_money

      In network: Plan pays 90% of charges up to the total Maximum
      Out of network: Plan pays 70% of the Usual and Customary Charges up to the Total Maximum
      Direct billing: Through United healthcare

    • local_hospital

      Medical Evacuation
      Up to $50K

    • attach_money

      Max Coverage
      Up to $300K (0 - 69 years); $75K (70 - 99 years)

    • description

      Deductible
      Up to $5K

    • trending_up

      Cost Range
      Buy now

    picture_as_pdf Brochures
    thumb_up Advantages
    thumb_down Disadvantages
    • star

      Rating
      A by A.M. Best

    • health_and_safety

      Plan life
      364 days (Minimum Enrolment 90 days)

    • gavel

      Underwriter
      Crum & Forster SPC

    • ecg_heart

      Pre-existing condition
      Not covered

    • attach_money

      In network: Plan pays 80% of charges up to the total Maximum
      Out of network: Plan pays 60% of the Usual and Customary Charges up to the Total Maximum
      Direct billing: Through United healthcare

    • local_hospital

      Medical Evacuation
      Up to $25k

    • attach_money

      Max Coverage
      Up to $1M (0 - 69 years); $75K (70 - 99 years)

    • description

      Deductible
      Up to $5K

    • trending_up

      Cost Range
      Buy now

    picture_as_pdf Brochures
    thumb_up Advantages
    thumb_down Disadvantages
    • star

      Rating
      A by A.M. Best

    • health_and_safety

      Plan life
      364 days (Minimum Enrolment 90 days)

    • gavel

      Underwriter
      Crum & Forster SPC

    • ecg_heart

      Pre-existing condition
      Not covered

    • attach_money

      In network: Plan pays 90% of charges up to the total Maximum
      Out of network: Plan pays 70% of the Usual and Customary Charges up to the Total Maximum
      Direct billing: Through United healthcare

    • local_hospital

      Medical Evacuation
      Up to $25k

    • attach_money

      Max Coverage
      Up to $1M (0 - 69 years); $75K (70 - 99 years)

    • description

      Deductible
      Up to $5K

    • trending_up

      Cost Range
      $147Buy now

    picture_as_pdf Brochures
    thumb_up Advantages
    thumb_down Disadvantages

American travel insurance reviews

"I am always appreciating good business conduct and when I am coming back here for the longer time span."

Karen

"Thank you for your prompt response. Your prompt response will be highly appreciated."

Margaret

"Thank you American Visitor insurance! You went way beyond what I would expect from an insurance company."

Connie

How can Green Card Holders be categorized?

Green Card Holders who travel often between the US and their old home country

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.

Green Card Holders permanently residing in the US

If a US Green card holder is living permanently here then he or she is eligible for domestic health insurance plans. However this depends on the age of the Green card holder and the duration of stay within US. If one is below 65 years then they are eligible for domestic health insurance plans such as Blue Cross, Blue Shield, however they are usually eligible only after living in the US for 6 months or more. In this case also, purchasing short term travel health insurance till they become eligible for domestic plans is strongly recommended. For those above 65 years and are not yet eligible for Medicare or domestic health insurance, there are good options offered by INF insurance.

New Green Card Holders or New Immigrants

New immigrants who can be parents or family members who recently arrived in the USA can buy visitor health insurance depending on their duration of stay. Again, these plans can be bought for the period till they are eligible for domestic health insurance.

Applied and 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.

What are the Medical insurance options for Green Card Holders?

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.

  • Employer sponsored insurance: Any Green card holder who has a regular job should try to get health insurance through their employer. Most US employers offer health insurance benefits to their employees and this includes Green Card holders. Employer offered health insurance is affordable as it is part of a larger group insurance and is much cheaper than buying health insurance as an individual.
  • Visitor medical insurance: US insurance providers offer visitors insurance for Green Card holders till they are eligible for insurance either through an employer or are eligible for domestic US health insurance and Medicare. These Green card medical insurance options are available on American Visitor insurance. Factors for the cost of Green card holder medical insurance are the medical coverage required, the deductibles and the network of healthcare providers.
  • Medicaid: Green Card holders may be eligible for Medicaid which a state and federal program that provides health coverage for low-income individuals and families. However, this is available only to low income individuals and is based on the global assets and income.
  • US Medicare: Green Card holders who have been living in the United States for at least five years may be eligible for Medicare when they turn 65 years old or meet specific disability requirements. However, parents who recently received their Green cards and who have not lived in the US for five years are not eligible for Medicare.

It is important understand what your options are based on your specific situation. Compare Green Card Holders health insurance 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.

Which is the cheapest travel health insurance for Green Card holders in the USA?

The most affordable plan for Green Card holders is Safe Travels Elite insurance from Trawick International. Other cheap visitors health insurance options include INF Standard X and Safe Travels USA.

Safe Travels Elite
Trawick International

$74 per month

Age: 60 years | Plan: $25,000 | Deductible: $0

  • Cheapest visitor health insurance for green card holders visiting USA.
  • Policy maximum limits ranges from $25,000 to $175,000.
  • Deductible option $0.
  • Coverage from 5 days - 364 days.
  • Direct billing through First health international.
  • Covers acute on set of pre-existing conditions up to 89 years.
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INF Standard X
INF

$75 per month

Age: 60 years | Plan: $50,000 | Deductible: $250

  • Affordable visitors insurance for healthy Green Card holders without pre-existing condition.
  • Policy maximum limits ranges from $50,000 to $150,000.
  • Deductible options $0 to $5,000.
  • Coverage from 30 days - 364 days.
  • Great savings with United Healthcare PPO network
  • Does not cover pre-existing conditions.
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Safe Travels USA
Trawick International

$143 per month

Age: 60 years | Plan: $50,000 | Deductible: $250

  • Ideal for Green Card holders seeking budget-friendly protection.
  • Policy maximum limits ranges from $50,000 to $1,000,000.
  • Deductible options $0 to $5,000.
  • Coverage from 5 days - 364 days.
  • Direct billing through First health international.
  • Unexpected Recurrence of a Pre-Existing Condition up to 70 years.
picture_as_pdfBrochure shopping_cart Buy now

Other affordable options include Safe Travels USA Cost Saver and Patriot America Lite.

Which is the best travel medical insurance for Green Card holders in the USA?

The best travel medical insurance for Green Card holders is Safe Travels USA Comprehensive. Other top plans include Patriot America Plus and SafeVista Protect.

Patriot America Plus Insurance IMG

  • Best suited for Green Card holders visiting the USA who want strong comprehensive coverage for unexpected medical needs.
  • Covers acute onset of pre-existing conditions under age 70.
  • Covers emergency evacuation up to $1,000,000.
  • Urgent care is available with a copay of up to $25.
  • Direct billing through the UnitedHealthcare PPO and First Health PPO networks within the U.S.
  • Offers optional coverage for adventure sports and recreational activities.
Policy Maximum?
$50,000 - $1,000,000
Deductible?
$0 - $2,500
Period of Coverage?
5 days to 364 days
Cost?
$159

Safe Travels USA Comprehensive Insurance Trawick International

  • A good option for Green Card holders needing coverage for new illnesses and acute onset of pre-existing conditions.
  • Covers acute onset of pre-existing conditions up to 89 years.
  • Covers emergency evacuation up to $1,000,000.
  • Urgent care is available with a copay of up to $30 per incident.
  • Direct billing through First Health International PPO network.
  • Provides cardiac and stroke coverage of up to $25,000 for ages 69 and below, and $15,000 for ages 70 and above.
Policy Maximum?
$50,000 - $1,000,000
Deductible?
$0 - $5,000
Period of Coverage?
5 days to 364 days
Cost?
$167

SafeVista Protect Insurance INF

  • Best for Green Card holders wanting all-round comprehensive coverage in the USA.
  • Covers acute onset of pre-existing conditions up to 85 years.
  • Covers emergency evacuation up to $25,000.
  • Urgent care is available with a copay of up to $25.
  • Direct billing through UnitedHealthcare PPO Network.
  • Includes free worldwide telehealth access through doctor please for remote medical consultations.
Policy Maximum?
$100,000 - $1,000,000
Deductible?
$0 - $5,000
Period of Coverage?
10 days to 364 days
Cost?
$223

Other affordable options include Diplomat America and Patriot America Platinum.

What are the best visitor insurance for Green Card holders staying longer in the USA?

The best visitor insurance for Green Card holders staying long-term in the USA is INF Elite Plus X. Additional choices include INF Elite X and INF Premier X.

INF Premier X
INF

$385 3 months

Age: 60 years | Plan: $100,000 |
Deductible: $250

  • Affordable choice for Green Card holders seeking long-term fixed-benefit coverage with full pre-existing condition protection.
  • Policy maximum limits ranges from $100,000 - $1,000,000.
  • Deductible options $75 - $5,000.
  • Coverage from 90 days - 364 days.
  • Direct billing through United Healthcare network.
  • Covers full pre-existing conditions up to 99 years.
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INF Elite X
INF

$1,340 3 months

Age: 60 years | Plan: $150,000 |
Deductible: $250

  • Comprehensive plan tailored for Green Card holders with multiple or ongoing health issues needing consistent coverage.
  • Policy maximum limits ranges from $150,000 - $1,000,000.
  • Deductible options $100 to $5,000.
  • Coverage from 90 days - 364 days.
  • Direct billing through United Healthcare network.
  • Covers full pre-existing conditions up to 99 years.
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INF Elite Plus X
INF

$1,243 3 months

Age: 60 years | Plan: $150,000 |
Deductible: $250

  • Top INF insurance for Green Card holders, offering the broadest benefits including extensive pre-existing condition coverage.
  • Policy maximum limits ranges from $150,000 - $250,000.
  • Deductible options $500 to $5,000.
  • Coverage from 90 days - 364 days.
  • Direct billing through First health international.
  • Covers full pre-existing conditions up to 99 years.
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How much does health insurance cost for Green Card Holders?

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.

Cost of health insurance for parents over 65 years on Green Card

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. Source: AMERICAN VISITOR insurance®

Are Senior 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)).
Old couple Health Insurance
  • 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).

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.

Green card medical insurance - FAQ's

1. Do Green card holders need health insurance?

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.

2. Can Green card holders get health insurance through their employers?

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.

3. 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.

4. Are there any special considerations for recent Green card holders or new immigrants?

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.

Health insurance for parents on Green card

Green Card Visa holder insurance resources

International travel insurance resources for Green Card Visa Holders while in the US.

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Factors for Green Card Visa holder insurance

Important factors to consider while buying Green card Visa medical insurance.

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Types of Green Card Visa insurance options

Different US Green Card Visa insurance, fixed benefits vs comprehensive coverage.

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Green Card Visa insurance claims procedure

Green Card Visa holder insurance claims process for medical care in hospital.

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Travel Health Insurance for Green Card Applicants

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Senior citizen travel insurance

Travel medial insurance for a senior citizen Green Card holders.

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Pre-existing conditions travel insurance

Compare best pre-existing condition coverage for Green Card holders.

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Annual travel insurance

Annual travel insurance for individuals who take multiple trips within a year.

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Resourceful medical insurance for green card holders information

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Green Card travel medical insurance FAQ

Commonly asked questions by Green Card holders and US new immigrants.

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Green Card holder health insurance Blog

Articles on insurance cover for US Green Card senior citizen holder parents.

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Green Card holder medical insurance Forum

Queries and answers on Green Card elderly immigrant parents medical insurance.

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Green card holders insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Global Underwriters, Trawick International and INF insurance.

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