New US Immigrant Health Insurance, Immigrant medical Insurance plans, Health insurance for new US Immigrants

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Comprehensive plans pays for all expenses after the deductible and co-insurance component and are recommended given the high costs of health care in the US.

Visit USA Standard by Travel Insurance Services

Maximum coverage^#1
Deductible^#2
Key Features: Standard Plan offers coverage for unexpected illness and injury along with travel assistance benefits.
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$33.79 PER MONTH BUY

Patriot America by International Medical Group

Maximum coverage^#1
Deductible^#2
Pre-Existing Cover
YES NO
Eligibility Under 65 years of age plan must be bought within 6 months of arrival in US. Over 65 years of age plan must begin within 30 days of arrival
Key Features: Great coverage for a great price. Offers coverage for pre-exixisting conditions upto plan maximum. More...

$37.00 PER MONTH BUY

Patriot GOTravel by IMG

Maximum coverage^#1
Deductible^#2
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$42.16 PER MONTH BUY

Atlas America by TokioMarine HCC

Maximum coverage^#1
Deductible^#2
Key Features: Always eligible for purchase no matter what age and how long a person has been in the US More...

$42.16 PER MONTH BUY

Fixed benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

Visitor's Care by International Medical Group

Maximum coverage^#1
Deductible^#2
Heart Care Plus^#3
YES NO
Eligibility Over 65 years plan must begin within 30 days of arrival in the US
Key Features: Coverage for pre-existing conditions regardless of age
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$38.00 PER MONTH BUY

Inbound Immigrant by Seven corners

Maximum coverage^#1
Deductible^#2
Eligibility Plan must be bought within 24 months of arrival in US
Key Features: Specifically designed for recent immigrants
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$49.91 PER MONTH BUY

Inbound USA by Seven corners

Maximum coverage^#1
Deductible^#2
Eligibility Plan must be bought within 12 months of arrival in US
Key Features: Covers pre-existing like any other condition for those under 70 years
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$63.55 PER MONTH BUY

#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.

Can I buy travel insurance after starting the journey?

Yes! We do recommend that you make your purchase before you leave to start the day you leave your home country until the day you return (bearing in mind the policies are based off of EST). However, you can still buy a policy after you have started your journey. Of course, if you or your visitor is already sick and/or in the hospital, you will not get coverage for that incident. You must have an insurance policy in place before something happens (which is why we recommend covering your entire trip from start to finish). However, sometimes people wait to see what their visitors may want and to discuss options with them. Do not delay because some policies will no longer be an option if you wait too long. Generally, however, all options are open within the first month of arrival to your destination AND these limitations are only for plans which cover trips to the US. International travel has no limitations, so you can make your purchase at any time.