What are the key highlights of US immigrant health insurance plans?

Key highlights include options for short and long-term stays, renewable policies, availability up to 24 months post-arrival, and affordable interim coverage for new US immigrants until they qualify for domestic health insurance.

Why do immigrants need US immigrant insurance?

New immigrants are especially vulnerable and face a waiting period before qualifying for Medicare or other domestic insurance plans. Interim immigrant insurance protects against the high costs of US healthcare during this period.

Can a US immigrant get health insurance?

Yes, US immigrants can get health insurance, including temporary immigrant health plans. However, access to Medicare and Medicaid has a five-year waiting period and may depend on income or residency criteria. Interim plans help bridge this gap.

New US Immigrant Insurance, Buy new US Immigrants health Insurance, Health insurance for new US Immigrants over 65

Q: What does visitor travel insurance cover?

Visitor travel insurance typically covers doctor visits for sudden illness or injury, prescribed pharmacy drugs, some plans insure acute onset of pre-existing conditions coverage, emergency medical evacuation, and repatriation of remains to the home country.

US Immigrant Insurance - Overview

US Immigrant health insurance plans offered here provide medical insurance for new US immigrants (Green Card holders sponsored by family members) and potential immigrants (H4 & F2 visa holders) till they are eligible for domestic insurance. This works as the health insurance for elderly immigrant parents as well till they become eligible for domestic insurance.

Eligibility: Immigrant insurance plans are designed for new immigrants, Green Card holders, and those on various visas (e.g., H1B, F1). Eligibility varies by plan, so it’s important to check specific requirements.
Coverage: These plans typically cover medical expenses such as doctor visits, hospital stays, emergency services, and prescription drugs. Some plans also offer coverage for preventive care, maternity, and mental health services.

Types of Plans:

Short-Term Plans: Ideal for new immigrants who need temporary coverage until they secure long-term insurance.
Long-Term Plans: Suitable for those planning to stay in the US for an extended period. These plans often provide more comprehensive coverage.
Visitor Insurance: For those visiting the US temporarily, such as tourists or business travelers.
Providers: Several insurance companies offer plans tailored to immigrants, including IMG, Seven Corners... It’s advisable to compare plans to find one that best suits your needs.
Enrollment: You can purchase immigrant insurance before or after arriving in the US. It’s often recommended to buy coverage before your trip to ensure you’re protected from the start.
Costs: Premiums vary based on factors like age, coverage level, and plan type. Some plans offer deductibles and co-pays to help manage costs.

Can I buy US immigrant health insurance after coming to the USA?

Yes, you can purchase US immigrant health insurance after arriving in the USA. It is recommended to buy health insurance for elderly immigrant parents and others before leaving your home country to cover the duration of your stay; however, you can still obtain a policy after you have started your journey. Nevertheless, it is possible to purchase a policy even after your journey has commenced. Naturally, if you or your visitor is already ill or hospitalized, coverage for that particular incident will not be provided.

It is imperative to have a U.S. immigrant insurance policy established prior to the occurrence of any adverse events, which is why securing coverage for the entire duration of your trip is advisable. Typically, all options are available within the first month of arriving at your destination, and these restrictions apply only to plans covering trips to the US.

For international travel, there are no such limitations, allowing you to purchase new immigrant health insurance for the USA at any time. However, it's common for people to wait to understand their visitors' preferences and discuss options with them. It's important not to delay, as some policies may become unavailable if you wait too long.

Likely US immigrant medical insurance customers

Undocumented/Illegal Immigrants: About 50% of undocumented/illegal immigrant adults are uninsured. They often lack access to employer-sponsored insurance and face eligibility restrictions for federal programs

Lawfully Present Immigrants: Nearly 18% of lawfully present immigrant adults are uninsured. They may have limited access to private coverage and face barriers such as language challenges and confusion about eligibility. Here we have 2 categories:

Frequently traveling Green Card holders (between the US and the home country): Green Card holders who frequently travel between the US and their home country, and may not reside permanently in the USA, are advised to purchase new US immigrant health insurance coverage. It is important to note that this health insurance for elderly immigrant parents and other categories in the USA typically does not cover preventative care, such as health check-ups and vaccinations, or may offer limited coverage for pre-existing medical conditions.
Green Card holders permanently living in the US: Green Card holders residing permanently in the USA are eligible for domestic health insurance plans, contingent on their length of stay. Those under 65 may qualify for plans like Blue Cross or Blue Shield, typically after a residency period of 6 months or more. It is advisable to purchase insurance until they meet the criteria for domestic plans. For individuals over 65 who do not yet qualify for Medicare or other domestic health insurance, new immigrants can opt for INF insurance.

New Immigrants: Those who have recently arrived in the US and are in the process of establishing residency often need temporary health coverage until they can access employer-sponsored plans or qualify for federal programs.

Recent Green Card holders or new immigrants: New immigrants, including parents or family members who have recently arrived in the USA, can purchase insurance based on their length of stay. These plans are available until they become eligible for domestic health insurance.

What does visitor travel insurance cover?

Doctor visit: Insures Doctor visits for sudden injury or sickness.
Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
Pre-existing conditions: Some plans insure acute onset of pre-existing conditions coverage.
Medical evacuation: Medical evacuation expenses to nearest facility included.
Repat of remains: Repatriation of remains to home country included.

US Immigrants health insurance

US Immigrants health insurance plans highlights

Many options for short and long term stays in US and abroad.
Some plans are renewable monthly, quarterly, semi-annual, or annually.
Some plans can be enrolled even 24 months after arriving in the United States.
Affordable New US Immigrants health insurance plans provide an interim bridge coverage till you are eligible for US domestic health plans.

US Immigrants Medical Insurance Options

Short term health insurance options (5 Days - 12 Months)

Medical insurance for Green Card holders
Options for temporary coverage
Options for fiancee insurance (K visa)
Options for Illegals in the US

Illegals in the US

Unfortunately, we cannot suggest a plan for you. Even though the insurance companies have no way to check your legal status in the US, if you submit a claim, they may ask to see your passport for eligibility purposes. At that point, if they see you are illegally in the country, they may refuse to pay for your expenses and your policy will be worthless even though you have paid for it. ANY legal status (dreamer under NACA, fiancee visa, etc) will allow you to purchase a plan while out of your home country.

Long term health insurance options (one year or longer)

Options for long term major medical coverage
Options for Illegals in the US

Illegals in the US

Unfortunately, we cannot suggest a plan for you. Even though the insurance companies have no way to check your legal status in the US, if you submit a claim, they may ask to see your passport for eligibility purposes. At that point, if they see you are illegally in the country, they may refuse to pay for your expenses and your policy will be worthless even though you have paid for it. ANY legal status (dreamer under NACA, fiancee visa, etc) will allow you to purchase a plan while out of your home country.

Find the best US New Immigrants health insurance plans

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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.

Health insurance for new immigrants USA, Immigrant health insurance USA - FAQ's

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 US immigrants are eligible for Medicare or to purchase domestic health insurance. Immigrants can however buy new US immigrant insurance plans as an interim coverage.

Yes, there is immigrant health insurance, or health insurance for permanent residents available. However it must be noted that domestic US medical insurance for Green card holders including Medicare and Medicaid have a waiting period of five years. US immigrants are eligible for Medicaid coverage only if they satisfy the resident state’s income or residency rules.

It is important to buy temporary US immigrant health insurance till Green card holders become eligible for domestic insurance plans. The visitor health insurance plans that we offer also work very well as health insurance while waiting for Green card. Given the high cost of US health care, it is very important to have health insurance for elderly immigrant parents and medical insurance for Green card holders even before they become eligible for domestic US plans

They must go through special membership approval for INF Elite / Premier / Standard / Traveler USA for Greencard holders.

Yes, they can buy INF travel insurance.

Best long term travel insurance

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Health insurance for new immigrants, US health insurance for new immigrants

Hi,

Please can you let me know what insurance would cover me under Trumps proclamation that new immigrants need health insurance.

Peter

Dear Peter,

There are no specific requirements for the insurance. Therefore, you can purchase ANY visitor plan that we offer to meet these criteria. Of course, we would suggest a plan which covers COVID and is a comprehensive plan, but this is only a recommendation.

You can search best US new immigrant insurance. Note that you will enter your foreign address as your "residence" address and most companies will NOT allow you to renew after you have your green card IN HAND. Until then, you can use any visitor plan we offer.

Sincerely,
www.americanvisitorinsurance.com

(877) 340 7910