Health insurance is not mandatory for H-4 visa holders. However, it is highly recommended due to the high cost of US healthcare. Since H-4 visa holders often rely on their H-1B sponsor for family coverage, they may receive health insurance through the employer-sponsored plan of the H-1B visa holder. If such coverage is not available, H-4 holders can buy individual visitor medical insurance plans on American Visitor Insurance to ensure financial protection against medical emergencies and healthcare expenses.
Health insurance is an important requirement for H4 Visa holders. The US Government health website details the very high cost of US healthcare costs. In this context not having H4 dependent Visa health insurance can be financially catastrophic.
Healthcare Cost in USAA H4 Visa holder is the spouse or unmarried child under the age of 21 years of a H1B Visa holder. We offer health insurance for spouse visa which is ideal medical insurance for H4 Visa holders. H4 Visa holders either as young children or as a spouse are very likely to need healthcare (which might include maternity coverage) while in the US. It should be known that health insurance for H4 Visa holders will not cover pre-existing conditions, or will have strict limitations for pre-existing ailment coverage. Therefore it is important to buy H4 Visa insurance even before you arrive so that you are insured during the flight, or as soon as you arrive in the US. The H4 Visa insurance insures the H4 Visa holder for a range of health risks including coverage for emergency and basic medical expenses, medical evacuation and repatriation.
Forum DiscussionsThe cost of medical insurance for USA H4 Visa insurance holders can vary based on different factors like the age, medical maximum, and period of coverage. H4 visa holders being dependents of H1B visa may not be eligible for their sponsored health insurance, therefore H4 visa medical insurance coverage is important. The cost of H4 visa US health insurance can be $20 - $360 per month based on the age, type of coverage and duration. Basic coverage usually costs less while comprehensive coverage costs more. To get cheaper cost of H4 visa insurance, choose a higher deductible which is a the initial amount to be paid before the insurance starts to pay.
A comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit.
| Insurance Plans | Plan Maximum | Deductible | Provider Network | Cost # |
|---|---|---|---|---|
| Patriot America Plus IMG | $50K - $1M | $0 - $2K | United HealthCare | $96 - $177 |
| Safe Travels USA Comprehensive Trawick International | $50K - $1M | $0 - $5K | First Health Network | $96 - $176 |
| Atlas America WorldTrips | $50K - $2M | $0 - $5K | United HealthCare | $116 - $235 |
| Diplomat America Global Underwriters | $50K - $1M | $0 - $5K | No PPO | $155 - $266 |
| Patriot Platinum America IMG | $2M - $8M | $0 - $25K | United HealthCare | $214 - $360 |
| Atlas Premium America WorldTrips | $50 - $2M | $0 - $5K | United HealthCare | $138 - $270 |
| Safe Travels USA Cost Saver Trawick International | $50 - $1M | $0 - $5K | First Health Network | $92 - $154 |
| Visit USA Standard Travel | $75K - $150K | $0- $1K | United HealthCare | $93 - $115 |
# The average cost of US H4 visa health insurance per month for applicant aged 40 years.
A fixed benefit travel insurance plan is the cheapest travel insurance because it has a fixed limit of coverage for different medical benefits.
| Insurance Plans | Plan Maximum | Deductible | Provider Network | Cost # |
|---|---|---|---|---|
| Safe Travels Advantage Trawick International | $25,000 | $0 | First Healthcare | $20 |
| Safe Travels Elite Trawick International | $25K - $175K | $0 | First Health Network | $24 - $68 |
| Visitors Care IMG | $25K - $100K | $0 - $100 | United HealthCare | $25 - $54 |
| VisitorSecure WorldTrips | $50K - $130K | $0 - $100 | United HealthCare | $44 - $80 |
# The average cost of travel insurance plans for USA is based on quotes for a 40-year-old with a duration of one month.
H1B and H4 visa holders are facing a very stressful situation in the United States given the difficult economy and the long processing time for Green cards. In addition to the legal changes is the high costs of healthcare. Having the best health insurance for H4 visa holders is very important as this will mitigate health related financial risks while in USA. At American Visitor Insurance, H4 visa holders can find the ideal H4 visa medical insurance plan by using the H4 visa medical compare insurance tool.
H4 visa holders should provide relevant information such as their age, the duration of insurance cover and other relevant details like the medical maximum coverage and the deductible. The H4 visa insurance tool will display the available H4 visa holder insurance plans based on their specific requirements.
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A large number of H1B visa holders are from India, and understandly there are a large number of Indians with the H4 visa. For H-4 visa holders from India, it is strongly recommended to have adequate health insurance given the high cost of US medical care. H-4 visa holders are not eligible for health insurance through the U.S. marketplace, Medicare, or Medicaid, hence they can buy short-term visitor insurance that is available on American Visitor Insurance for the initial coverage and buy long-term major medical insurance through their spouse's employer once they are considered residents. This ensures they are all along protected against medical emergencies and high medical costs while in the U.S.
There are a large number of technology companies in California and hence the state is home to a large number of H1B visa holders. The best health insurance for H1B visa holders in California provide comprehensive coverage in a cost effective manner. Many H1B workers have employer-sponsored insurance, however, those H1B visa holders without any employer sponsored insurance can buy H1B visa insurance on American Visitor Insurance. It is important to compare the different plans, the PPO networks, the premium cost and coverage limits on American Visitor Insurance to find the most suitable H1 B visa insurance for California to ensure access to quality healthcare in California.
The H-4 Visa is a temporary, non-immigrant Visa for the dependents of H1B Visa non-immigrant workers. Dependents include spouses and unmarried children under 21 years of age.
There is no single policy that can be considered the best medical insurance for H4 Visa holders. The best H4 Visa Medical insurance will vary for different customers depending on different factors such as the budget and any pre-existing medical ailments. H4 Visa holders are eligible to buy most of the US visitor medical insurance plans which work quite well for their needs. One might want to ensure that the plan they buy is renewable given the likelihood of the H4 Visa holders staying in the US for a few years.
Yes, H4 Visa holders can purchase health insurance in the United States. American Visitor Insurance works with reputable US insurance providers and offers visitors insurance plans that are ideal for H4 Visa holders. H4 Visa holders can compare different US visitors insurance plans to select a plan that meets the needs and budget of the H4 Visa holder.
There are several options of short term health insurance for spouse Visa or H4 Visa holders. However, the difference between visitor fixed benefits and comprehensive health insurance plans is not easy for a layman to understand. To help customers with no insurance knowledge, we have developed a Visitor insurance comparison tool where customers can review the plans that satisfy their needs best.
Along with displaying the insurance costs (premiums), we also highlight important visitors medical insurance features so that it is easy to contrast between these products. This helps the customer quickly understand the important aspects of these insurance products while making a decision and buy the best health insurance for H4 Visa holders. To achieve this same knowledge of different products would otherwise involve reading several different policy brochures.
The cost for the H4 Visa insurance varies depending on the age of the insured and the duration of coverage required. The older the H4 Visa holder, the higher is the cost. The longer the duration of health insurance required, the greater will be the cost. Our H4 Visa insurance quote facility lists the available plans based on price and other coverage details.
H4 Visa holders who do not have access to employer-sponsored health insurance can by H4 Visa health insurance on American Visitor Insurance. H4 Visa holders can compare different US health insurance plans on American Visitor Insurance to find the best H4 Visa insurance plan for their budget and needs.
The minimum coverage requirements for H4 Visa health insurance should include coverage for hospitalization, emergency care and outpatient services. H4 Visa holders can compare popular short term health insurance plans on American Visitor Insurance to find the best H4 Visa insurance plan for their needs.
Under the H-4 visa, dependents of H-1B visa holders can reside in the U.S., attend school, obtain a driver's license, open a bank account, and apply for a work permit (EAD) under certain conditions, such as when their H-1B spouse is seeking permanent residency. H4 visa holders cannot work without an EAD.
Complete the health insurance quote request form by providing details of the H4 Visa holder and insurance requirements.
Compare the price and the benefits of the different travel insurance for H4 Visa holders options to identify what fits your needs best.
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Review the Visa insurance policy documents received by email closely for coverage details and relevant contact numbers.
A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.
Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.
International travel insurance resources for H4 Visa Holders while in the US.
Explore »Important factors to consider while buying H4 Visa medical insurance.
Explore »Different US H4 Visa insurance, fixed benefits vs comprehensive coverage.
Explore »H4 Visa holder insurance claims process for medical care in hospital.
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