Green Card Holder Health Insurance by IMG
IMG offers affordable health insurance for Green Card holders, with plans starting at around $1 per day. Choose from Patriot America Lite, Patriot America Plus, Patriot Platinum, and Visitors Protect for flexible coverage that can include emergency medical care, hospitalization, PPO network access, and eligible pre-existing condition benefits.
Which IMG Health Insurance Plan Is Right for Green Card Holders?
- Choose Patriot America Lite if you want cheap health insurance for Green Card holders, offering affordable temporary medical coverage with essential benefits and flexible policy options.
- Choose Patriot America Plus if you want the best medical insurance for Green Card holders from IMG, with strong coverage, PPO network access, and acute onset of pre-existing condition coverage up to age 70.
- Choose Patriot America Platinum if you want premium IMG health insurance for Green Card holders, with higher policy limits up to $8,000,000 and enhanced medical benefits.
- Choose Visitors Protect if you are looking for the best medical insurance for Green Card holders over 70, or elderly parents, with benefits for eligible pre-existing conditions up to age 99 and CareClix telehealth consultations.
Best Health Insurance for Green Card Holders in the USA
Finding the right health insurance for Green Card holders can be challenging, especially during the transition period before employer coverage or long-term domestic insurance becomes available. Medical care in the United States can be expensive, making temporary health insurance an important option for protection against unexpected healthcare costs.
IMG Medical Insurance for Green Card Holders offers affordable temporary medical coverage for eligible new immigrants and permanent residents who need protection against unexpected healthcare expenses while living in the USA. These plans can help cover eligible medical expenses including doctor visits, urgent care, hospitalization, emergency medical treatment, prescription medications, and other unexpected healthcare needs.
Through American Visitor Insurance, you can compare IMG Green Card holder insurance plans side by side based on coverage benefits, deductibles, policy maximums, PPO network access, and available pre-existing condition coverage options. Get instant quotes in seconds and choose a plan that fits your healthcare and budget needs.
IMG Insurance for Green Card Holders start from approximately $2 per day depending on age, coverage duration, deductible selected, and plan benefits
Why Green Card Holders Need Health Insurance?
Getting a Green Card allows you to live and work in the United States but it does not automatically provide health insurance coverage. Many new permanent residents experience a coverage gap before becoming eligible for employer-sponsored plans, government programs, or long-term domestic health coverage. During this transition period, IMG New Immigrant Health Insurance can provide temporary medical protection against unexpected healthcare expenses.
New Green Card holders may not immediately qualify for government healthcare programs, and employer-sponsored insurance often begins only after eligibility requirements or enrollment periods. Without medical coverage, even routine treatment or emergency care can result in significant out-of-pocket expenses.
Eligibility for Medicare and Medicaid depends on factors such as age, work history, residency status, and state-specific requirements. Some Green Card holders may need temporary coverage before becoming eligible.
Employer health insurance often includes enrollment windows or waiting periods before benefits begin. IMG Temporary Health Insurance for Green Card Holders can help bridge this transition period until long-term coverage becomes available.
Medical treatment in the United States can be expensive. Emergency room visits, hospitalization, specialist care, and diagnostic services can quickly lead to high medical bills without insurance.
If you recently moved to the United States, your existing health insurance from your home country may provide limited or no medical coverage inside the USA.
Green Card holders who continue to travel internationally may prefer flexible coverage options. Select IMG plans may provide eligible benefits for travel both inside and outside the United States depending on plan terms.
Spouses and dependent family members may also need temporary medical protection during their transition period. Depending on eligibility, IMG offers family-friendly coverage options that can help protect multiple eligible family members under one plan.
Which Is the Best Medical Insurance for Green Card Holders from IMG?
The best IMG medical insurance plans for Green Card holders are Patriot America Plus, Patriot America Platinum, and Visitors Protect. These plans are popular for their flexible coverage options, PPO network access, renewable coverage periods, and benefits for eligible pre-existing conditions depending on the selected plan. Compare coverage maximums, deductibles, and policy benefits through American Visitor Insurance to choose the plan that best fits your healthcare and budget needs.
Patriot America Plus
IMG Patriot America Plus is one of the best health insurance for Green Card holders, offering strong temporary medical coverage with access to PPO networks and flexible coverage options. The plan also provides coverage for the acute onset of pre-existing conditions for eligible travelers up to age 70, making it a popular choice for Green Card holders seeking broader protection during their stay in the USA.
- Policy Maximum: $50,000 to $1,000,000
- Coinsurance: 100% in PPO network after deductible; outside PPO network, 90% up to $1,000 then 100% up to the policy maximum.
- Pre-Existing Conditions: Coverage for acute onset of pre-existing conditions for eligible travelers up to age 70
- Emergency Medical Evacuation: Up to $1,000,000
- Coverage Duration: Available from 5 days to 364 days, renewable up to 2 years
- PPO Network: UnitedHealthcare PPO Network
- Age Eligibility: Available up to age 99
Patriot America Platinum
IMG Patriot Platinum is one of the best medical insurance for Green Card holders, offering premium-level medical coverage with policy maximums up to $8,000,000. The plan also includes coverage for the acute onset of pre-existing conditions for eligible travelers up to age 70, making it a strong option for those seeking higher protection and comprehensive benefits.
- Policy Maximum: $1,000,000 to $8,000,000
- Coinsurance: 100% in PPO network after deductible
- Pre-Existing Conditions: Coverage for acute onset of pre-existing conditions for eligible travelers up to age 70
- Emergency Medical Evacuation: Up to maximum limit
- Coverage Duration: Available from 5 days to 364 days, renewable up to 3 years
- PPO Network: UnitedHealthcare PPO Network
- Age Eligibility: Available up to age 99
Visitors Protect
Visitors Protect is one of the best health insurance for elderly parents on Green Cards, offering temporary medical coverage with benefits for eligible pre-existing conditions up to age 99 based on plan terms. The plan also includes CareClix telehealth consultations, making it a popular choice for seniors and parents seeking convenient access to healthcare and flexible medical protection, and is considered among the best medical insurance for Green Card holders over 70 due to its flexible coverage options for seniors.
- Pre-Existing Condition Coverage: Travelers through age 69 can receive a maximum pre-existing condition benefit of $25,000, while travelers aged 70 and older are eligible for up to $20,000 in coverage. This benefit is subject to a $1,500 deductible and provides valuable protection for travelers with pre-existing medical conditions visiting the USA.
- Policy Maximum: Coverage available up to $250,000 (ages 69 and under) and up to $50,000 (ages 70-79).
- Coinsurance: Inside the PPO network, Visitors Protect pays 75% of eligible expenses. Outside the PPO network, the plan pays 60% of eligible expenses up to $5,000, then 100% up to the policy maximum.
- Medical Evacuation: Coverage up to $25,000.
- Coverage Duration: 90 to 364 days.
- Direct Billing via United PPO: Access to the United PPO network with direct billing for eligible covered medical expenses.
What Does IMG Health Insurance for Green Card Holders Cover?
IMG health insurance plans for Green Card holders are designed to help protect against unexpected medical expenses while living in the United States. Coverage varies by plan, but eligible benefits may include a range of medical services that help reduce out-of-pocket healthcare costs.
Coverage may include eligible hospital room charges, physician services, surgery, and inpatient treatment resulting from a covered illness or injury.
Many IMG plans provide coverage for eligible doctor consultations and urgent care treatment when unexpected medical needs arise.
Emergency room visits and emergency medical services may be covered for eligible illnesses and injuries according to the selected plan.
Eligible diagnostic services such as laboratory testing, X-rays, and medically necessary procedures may be included depending on plan benefits.
Many IMG plans provide access to United Health Care and First Health Care networks that may help reduce out-of-pocket expenses when receiving treatment from participating healthcare providers.
If medically necessary and covered under the policy, emergency medical evacuation benefits may assist with transportation to an appropriate medical facility.
IMG offers flexible coverage options with multiple policy maximums, deductibles, and plan durations to fit different healthcare needs and budgets. Most IMG plans are available from 5 days and renewable up to 2 years, Patriot Platinum up to 3 years, while Visitors Protect offers coverage up to 364 days with a 90-day minimum purchase.
IMG offers plans with coverage for the acute onset of pre-existing conditions as well as selected plans that may provide broader eligible pre-existing condition coverage. Benefits, age limits, eligibility requirements, and coverage terms vary by plan, so compare options carefully before purchasing.
Always review the policy certificate for complete benefit details, exclusions, eligibility requirements, and coverage limitations before purchasing.
Who Can Buy IMG Travel Insurance for Green Card Holders?
Eligibility for IMG Green Card holder insurance depends primarily on your primary residence and plan requirements. In general, these plans are intended for Green Card holders who maintain a residence outside the United States or need temporary medical coverage during a transition period.
- check_circleYou hold a US Green Card and maintain your primary residence outside the USA
- check_circleYou are visiting or staying in the US temporarily
- check_circleYou recently received your Green Card and need temporary coverage
- check_circleYou split time between the US and another country
- check_circleYou are waiting for employer-sponsored health insurance to begin
- check_circleYour current international health insurance provides limited US coverage
- check_circleYou need temporary coverage during an enrollment gap
- check_circleYou meet the selected plan's age and eligibility requirements
- cancelYou have established permanent residence inside the USA (subject to plan eligibility)
- cancelYou already have active employer-sponsored coverage
- cancelYou are eligible for or enrolled in other long-term health coverage options
- cancelYou are traveling to the USA specifically for medical treatment
- cancelYou need routine preventive or long-term maintenance care
Always review the IMG plan certificate and eligibility requirements before purchasing to confirm coverage availability.
Quick Comparison of IMG health insurance for new green card holders
Choosing the best IMG medical insurance for new Green Card holders depends on factors such as coverage amount, medical evacuation benefits, coinsurance, coverage for pre-existing conditions, and policy duration. Compare Patriot America Lite, Patriot America Plus, Patriot Platinum, and Visitors Protect side by side to find the plan that best matches your healthcare needs, age, and budget.
| Plan | Policy Maximum | Medical Evacuation | Pre-Existing Conditions | Coverage Duration | Best For |
|---|---|---|---|---|---|
| Patriot America Lite | Up to $1,000,000 | Up to $1,000,000 | Not Covered | 5 days - 2 years | Affordable temporary medical coverage |
| Patriot America Plus | $50,000-$1,000,000 | Up to $1,000,000 | Acute onset coverage up to age 70 | 5 days - 2 years | Best overall medical insurance for Green Card holders |
| Patriot Platinum | $1,000,000-$8,000,000 | Up to policy maximum | Acute onset coverage up to age 70 | 5 days - 3 years | Premium-level medical protection |
| Visitors Protect | $50,000 - $250,000 | Up to $25,000 | Eligible pre-existing condition coverage up to age 99 | 90 - 364 days | Best medical insurance for Green Card holders over 70 |
Pre-Existing Conditions: Which Coverage Do You Need?
IMG plans offer two types of pre-existing condition protection depending on the level of coverage you need.
| Coverage Type | Acute Onset Coverage | Pre-Existing Condition Coverage |
|---|---|---|
| Plans | Patriot America Plus, Patriot Platinum | Visitors Protect |
| Covers | Sudden, unexpected emergency from a known condition | Broader coverage for eligible pre-existing conditions |
| Examples | Heart emergency, stroke, asthma attack, severe allergic reaction | Eligible hospitalization and treatment related to pre-existing conditions |
| Not Covered | Routine care, prescription refills, gradual worsening, scheduled treatment | Routine/preventive care and plan exclusions |
| Coverage Limit | Subject to plan terms | Up to $25,000 (through age 69); up to $20,000 (70+) |
| Age | Acute onset up to age 70 | Coverage available up to age 99 |
| Best For | Green Card holders under 70 wanting emergency protection | Best medical insurance for Green Card holders over 70 |
Travel Insurance for Pre-Existing Conditions - FAQs
- Patriot America Plus / Patriot Platinum: Covers only the acute onset of pre-existing conditions (sudden emergency situations). Routine care, medication refills, and gradual worsening are not covered.
- Visitors Protect: Offers broader eligible pre-existing condition coverage including related hospitalization and flare-ups, with a $1,500 deductible and benefits up to $25,000 (through age 69) or $20,000 (70+).
Why Buy IMG Green Card Holder Insurance Through American Visitor Insurance?
Use the American Visitor Insurance comparison tool to compare multiple IMG health insurance plans for Green Card holders side by side. Easily compare policy maximums, deductibles, PPO networks, pre-existing condition benefits, coverage duration, and plan benefits to choose the most suitable option based on your medical needs and budget.
For over 20 years, American Visitor Insurance has helped Green Card holders find reliable temporary medical coverage in the USA. Popular IMG plans include Patriot America Lite, Patriot America Plus, Patriot Platinum, and Visitors Protect, offering different levels of protection based on age, coverage needs, and budget.
Compare affordable IMG Green Card holder insurance plans with instant online quotes and transparent pricing. Depending on the selected plan, coverage may include hospitalization, emergency medical treatment, doctor visits, medical evacuation, PPO access, and benefits for eligible pre-existing conditions.
American Visitor Insurance provides expert assistance to help Green Card holders understand important factors such as policy maximums, deductibles, acute onset of pre-existing conditions, eligible pre-existing condition coverage, and renewable coverage options.
American Visitor Insurance is a licensed U.S.-based insurance provider (NJ License #1181604), offering travelers a reliable and secure way to purchase travel insurance online.