US Immigrant Health Insurance
Insurance plans offered here provide health insurance coverage for new immigrants (Green Card holders sponsored by family members) and potential immigrants (H4 & F2 visa holders) till they are eligible for domestic insurance.
US Immigrant Health Insurance quotes and benefit comparison
View Popular Immigrant Insurance Plans:
#1: Maximum Coverage is the maximum eligible medical expenses that the plan will cover.
#2: Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.
#3: Optional pre-existing condition rider covers for Stroke or Myocardial Infarction.
Immigrant plans are long term plans with some being renewable up to five years, and they cover medical expenses incurred during sudden illness or injuries. Some plans like the Geo Blue Explorer can also cover pre-existing medical conditions and preventive care, but policy issuance is not guaranteed and needs have an underwriting approval.
Why do immigrants need medical insurance?
- It is very risky for anyone to be uninsured in the US, especially new immigrants who soon after arriving in the USA are particularly vulnerable given the new environment that they are in.
- There is a waiting period till new immigrants are eligible to purchase domestic health insurance and can therefore buy immigrant insurance plan as an interim coverage.
Most likely customers for immigrant insurance
The coverage offered under immigrant insurance plans can vary depending on the specific circumstances of new immigrants. Following are some of the eligibility criteria for green card holders:
- Frequently traveling Green Card Holders (between the US and home country): Green card holders who travel to their home country or who may not be staying permanently in the USA are advised to buy insurance coverage. You should be aware that insurance plans will not provide coverage for preventative care (health check ups, vaccinations...) or has limited coverage for pre-existing medical conditions.
- Green Card Holders permanently living in the USA: 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 duration of stay in US. If you are below 65 years then you 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 insurance till they become eligible for domestic plans makes sense. For those above 65 years who are not yet eligible for Medicare or domestic health insurance, they can select the Global Citizen plan offered by HTH Worldwide or in some states the GEO Blue Explorer plan. Global Citizen and GEO Blue Explorer offers excellent coverage including pre-existing medical cover.
- Recent Green Card Holders or New Immigrants: New immigrants who can be parents or family members who have recently arrived in the USA can buy insurance depending on the duration of stay. These plans can be purchased for the period till you are eligible for domestic health insurance.
- Applied for Green Card and waiting: If your children/grandchildren have applied for Green Card and waiting you can buy insurance coverage which will be suitable for them.
Highlights of immigrant insurance plans
- These plans can be purchased for a few days up to as long as 5 years.
- Plans are renewable and available as monthly, quarterly, semi-annually or annual increments.
- Some plans can be enrolled even 24 months after arriving in the United States.
- Immigrant insurance plans provide an interim bridge coverage till you are eligible for domestic health plans.
Immigrant Medical Insurance Options
Immigrant Short Term Insurance Coverage (5 DAYS - 12 MONTHS)
Immigrant Long Term Insurance Coverage (MORE THAN A YEAR)
Maestro plans from International Medical Group(IMG) offer long term coverage for residents of Latin America and the Caribbean islands
Eligibility: IMG's Maestro global health insurance is available to individuals, families and groups of all nationalities residing in Latin America and Caribbean countries.
Highlights of Maestro products:
- These are Global medical plans with worldwide coverage
- Annual Maximum medical limits from 4 million USD to 8 million USD
- Deductible options ranging from 500/1000 USD to 20,000 USD
- Concierge service provided
- Provides access to the highest quality healthcare
There are 3 international health insurance plan options:
- Maestro Vital: Most affordable, basic high-limit inpatient coverage
- Maestro Total: Inpatient and Outpatient coverage with concierge service. Solid protection, competitive in cost and with customised service.
- Maestro Total Plus: Highest level of benefits for the most discerning clients