There is no specific requirement for Green Card Holders to have medical insurance under U.S. immigration law. However, it is highly recommended to have health insurance coverage to protect against unexpected medical expenses given the very expensive cost of US healthcare.
Comprehensive plans
If one has applied for the Green Card and are waiting for permanent residency, they can buy visitor health insurance coverage that is ideal for them till they get the Green Card and are eligible for other domestic US health insurance options.
Health Insurance is an essential requirement these days for our well-being whether we are traveling to the US or living in the US as the healthcare in the US is very expensive. Green Card Holders can be the permanent residents who are living in the US, or the new immigrants who are coming to the US after receiving their Green Card or it could be individuals who are 65 and are not eligible for Medicare or people who shuttle between their home country and the US or people over the age of 70 needing Green Card insurance. Here we are going to see the plans available for Green Card Holders.
These unique circumstances of each individual or different types of Green Card Holders might seem to make the process of getting the right plan a little tricky and complex.
Our goal is to make it simple and easy to navigate and find the right plan according to the needs especially for the Green Card Holders. Whether you are a permanent resident of the US or the one who is shuttling between the home country and the US, you will find the right plan based on your input in our quote form
The former Trump administration had proposed a rule which expected prospective new US Green Card senior citizen parents to provide proof of having good US immigrant health insurance coverage for elderly immigrant parents in the US. This proclamation however has come under legal scrutiny with different cases filed against this Trump administration initiative.
This proposed rule will mostly impact Green Card parents of current US citizens who are and are applying for US Green Cards. According to this new rule visas to enter the US can be denied if one is not able to provide proof of proper US immigrant health insurance for Green Card Holders senior citizen parents.
While details of the new immigrant health insurance for Green Card parents requirements are still to be announced, the best US Green Card holder insurance plans that we offer work well as short term health insurance which prospective Green Card senior citizen parents can use till they are eligible for domestic US insurance plans.
In this situation, it might be most appropriate to buy short term Visitor insurance till you understand your domestic insurance option. You can compare and buy Visitor Insurance using our compare tool. If you are under the age of 65 or working in a corporate environment, it is best to get insurance through your employer. Alternatively you can buy the Blue Cross/Blue Shield insurance available in your state.
If you are looking for health insurance for non U.S. citizens over 65, unfortunately you are not immediately eligible for the Medicare program benefits for Green Card Holders over 65. This is available to US residents on reaching 65 years if they have paid US taxes for 40 quarters (minimum of 10 years). As a new immigrant, you will not be immediately eligible for Obamacare for Green Card Holders over 65 for at least three years of continuous living in the US. However, we have health insurance for seniors with Green Card, new immigrants over 65 years can buy till they are eligible for Medicare. The most affordable Fixed benefits health insurance for immigrant parents over 65 plan is Safe Travels Elite Insurance.
ecg_heart Pre-existing Condition Coverage"I am always appreciating good business conduct and when I am coming back here for the longer time span."
"Thank you for your prompt response. Your prompt response will be highly appreciated."
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company."
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Medical insurance cost for Green Card Holders varies based on several factors such as the age, medical maximum coverage, deductible for the plan, and the coverage for pre-existing conditions. There are cheap Green Card Holders health insurance plans starting at $26 per month.
Travel insurance USA | Coverage | Deductible | Provider Network | Cost # |
---|---|---|---|---|
Safe Travels Advantage Trawick International | $25,000 | $0 | First HealthCare | $38 |
Safe Travels Elite Trawick International | $25,000 | $0 | First HealthCare | $50 |
INF Standard X INF | $50,000 | $250 | United HealthCare | $76 |
Patriot America Lite IMG | $50,000 | $250 | United HealthCare | $157 |
Safe Travels USA Trawick International | $50,000 | $250 | First HealthCare | $160 |
Patriot America Plus IMG | $50,000 | $250 | United HealthCare | $173 |
Safe Travels USA Comprehensive Trawick International | $50,000 | $250 | First HealthCare | $224 |
Diplomat America Global Underwriters | $50,000 | $250 | No PPO | $262 |
INF Safe Traveler USA X INF | $150,000 | $500 | United HealthCare | $341 |
Patriot Platinum IMG | $1M | $250 | United HealthCare | $379 |
# Approximate cost of Green Card holders health insurance is for a 65-year-old parent or seniors for a duration of 1 month.
Green Card Holders (lawful permanent residents) can qualify for Medicare if they meet certain requirements related to age, residency, and work history.
To be eligible for Medicare, Green Card Holders must meet the following conditions:
If you haven't paid Medicare taxes for 10 years and don't qualify for premium-free Part A, you may need to buy Part A, but you will still be required to pay premiums for both Part A and Part B. If you've worked less than 30 quarters, you will pay approximately $505 per month for Part A (2024 rate). If you've worked 30-39 quarters, the premium is about $278 per month (2024 rate). For those who need to pay for both Part A and Part B, the combined premiums can be costly, so some Green Card Holders may opt for other private health insurance options until they qualify for premium-free Medicare Part A. Part B covers outpatient care, doctor visits, and preventive services. Unlike Part A, there is no work history requirement for Part B. Everyone pays a monthly premium for Part B, which in 2024 is approximately $174.70 (higher if your income exceeds certain limits).
Your Initial Enrollment Period lasts for 7 months which starts 3 months before your 65th birthday month, then includes the month of your 65th birthday and finally ends 3 months after your birthday month. If you miss your Initial Enrollment Period, you can sign up during the General Enrollment Period, which runs from January 1 to March 31 each year. You may face a late enrollment penalty for Part B (and sometimes Part A) if you delay enrollment without having other creditable coverage (such as employer insurance). You may qualify for a Special Enrollment Period if you delayed enrolling in Medicare due to having other creditable coverage (e.g., through an employer or union).
Medical insurance for Green Card Holders over 65 years
Know more »Medical insurance for Green Card Holders over 70 years
Know more »Medical insurance for Green Card Holders over 80 years
Know more »Viewing the available plans for Green Card Holders
Complete the US health insurance quote request form by providing details of the parents and their requirements.
Comparing the available plans for Green Card Holders
Compare the price and the benefits of the international parent travel insurance options to identify what fits your needs best.
Complete the purchase online for the suitable plan
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.
Review the policy documents and save them for future use
Review the US Green Card medical insurance for parents policy documents received by email closely for coverage details and relevant contact numbers.
Patriot America Plus and Patriot Platinum America can be used by Green Card Holders as long as they maintain a residence outside the US. These plans offered by IMG are specifically designed for short term travel to USA. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age.
The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. Persons under 70 years of age can get up to $1 million maximum coverage. These plans also covers COVID19 illness up to the maximum of the policy.
INF offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite Network insuranceand INF Traveler USA insurance. Green Card Holders can buy INF plans as long as they have a residence outside the US.
Trawick International offers two fixed benefit plans namely Safe Travels Elite and Safe Travels Elite Diamond and three comprehensive benefit plans namely Safe Travels USA insurance, Safe Travels USA Comprehensive insurance and Safe Travels USA Cost Saver insurance. These plans are available for Green Card Holders.
Yes. INF insurances provides coverage for many Green Card Holders, especially those who are above age 65. INF insurance plans also offer ancillary benefits such as dental and telemedicine which are usually separate policies under domestic US health insurance.
Following are the list of US travel insurance plans:
Patriot America Plus and Patriot Platinum America plans are based on the primary residence country that the member lists on the application. The Green Card Holders can buy Patriot America Plus insurance for coverage in the US, as long as their primary residence is outside the US. There is no set amount of time they have to purchase.
However, if they establish a permanent residence in the US, they are not eligible. So if they have a home (purchased or renting) here in the US, they can’t get our coverage. Provided they are eligible, if/when they submit a claim for treatment in the US, we will ask for their proof of residency in another country (renters agreement, bills to that address, etc) Just something showing that they live anywhere else.
Green Card Holders can enroll in INF plans initially for up to 1 year at a time. They can then renew their policy. There is no "term limit" for INF plans.
To qualify for Medicare, you must have worked in the US for 40 quarters (10 years) or have a Green Card for at least 5 years.
They must go through special membership approval for INF Elite / Premier / Standard / Traveler USA for Greencard holders.Green Card Holders can buy INF plans as long as they have a residence outside the US.
Yes, they can buy INF travel insurance.
Yes, Green Card Holders can get the medical insurance that we offer if they have a permanent address outside the US. Green Card Holders can get medical insurance quotes and buy the insurance on our website. The short term medical insurance will cover unanticipated medical conditions, but will not cover preventive care and regular treatment for pre-existing conditions. Getting a medical insurance quote is easy by providing the age of the Green Card holder and the dates that they need the insurance coverage. We display the different medical insurance for Green Card Holders and you can compare the different plans based on price as well as the coverage benefits. After choosing the best Green Card holder insurance for your needs, you can complete the application online and buy it using a credit card. The policy will be emailed immediately after completing the transaction.
The Affordable Care Act (Obamacare) had made it mandatory for all US residents to have health insurance, however the compulsory insurance requirement has been waived and it is now no longer mandatory to have health insurance. However, given the very high cost of US healthcare, where a regular Doctor’s consultation can take hundreds of Dollars, and Hospitalization overnight can involve thousands, or even tens of thousands of Dollars, it is very risky to be living in the US without any health insurance.
Green Card Holders can buy the health insurance on American Visitor Insurance if they do not have group health insurance from any employer, or if they are not yet eligible for US Medicare or for other domestic health insurance. The medical insurance for Green Card Holders that we offer will however not cover preventive care and has limited coverage for pre-existing medical conditions.
Green Card Holders may be eligible for Medicaid after meeting certain criteria, such as income and residency requirements, set by each state. Medicare eligibility typically requires being a Green Card holder for at least five years and meeting other qualifications (age 65 or older, or having certain disabilities). If there are new Green Card Holders who are not eligible for domestic health insurance or Medicare, they can buy the Visitors Insurance that we offer during this interim period.
Green Card Holders who are employed in the United States are generally eligible to participate in employer-sponsored health insurance plans, similar to U.S. citizens. It's advisable to check with the employer to understand the available options and any eligibility requirements.
There is no specific requirement for Green Card Holders to have medical insurance under U.S. immigration law. However, it is highly recommended to have health insurance coverage to protect against unexpected medical expenses given the very expensive cost of US healthcare.
New immigrants or recent Green Card Holders may have a waiting period before becoming eligible for government programs or employer-sponsored health insurance. It is important to explore alternative options during this waiting period, such as short-term health insurance plans like those offered on American Visitor Insurance.
Yes, it is possible to find affordable medical insurance for Green Card holder in the U.S. American Visitor Insurance offers Green Card Holder health insurance from top rated insurance providers which provide comprehensive health coverage in the US. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, Green Card Holders can find affordable medical insurance to suit their specific budget and requirements. It is recommended that one compares plans both for price as well as benefits to find the most cost-effective Green Card insurance for seniors and parents.
The cost of short term health insurance for Green Card holder depends on the following:
Yes, Green Card Holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
If one has applied for the Green Card and are waiting for permanent residency, they can buy visitor health insurance coverage that is ideal for them till they get the Green Card and are eligible for other domestic US health insurance options.
At American Visitor Insurance new immigrants and permanent residents can get best health insurance for Green Card Holders. They can find medical insurance to suit their specific budget and requirements. It is recommended to compare the cost and benefits for Green Card Holders health insurance to find the most cost-effective plan espeacially for seniors and parents.
The best visitors insurance for parents visiting USA is listed here:
Perfect for people planning on immigrating to US but not yet left their home countries.
Click here to read more »Green Card Holders who travel frequently to their home country.
Click here to read more »New US immigrants who can be parents or family members or Fiancee (K visa) visitors.
Click here to read more »Compare Green Card holder insurance plans who may not immediately qualify for US domestic health insurance.
Click here to read more »Parents who have applied for Green Card and are waiting for approval can buy these insurance plans.
Click here to read more »Under the Affordable Care Act (ACA) also popularly known as Obamacare, it is mandatory for all US residents (including Green Card Holders) to have health insurance, failing which they will have to pay a fine which increases annually. This mandatory health insurance for elderly parents on Green Card is however waived for those who have lived more than 330 days outside the USA. In this situation, where Green Card Holders usually live outside the US, and are visiting the country, they can buy many of our visitor insurance plans as health insurance for elderly parents on Green Card.
International Medical Group's (IMG's) Patriot America Lite is an option if they have a permanent address outside the US. Alternatively, you can buy the Safe Travels USA Comprehensive or Safe Travels USA Insurance plans offered by Trawick International. The most affordable fixed benefits plan is the Safe Travels Elite which can be renewed for up to 364 days. INF offers health insurance for pre-existing conditions which works well as health insurance for immigrant parents over 65. Green Card Holders can buy INF medical insurance for parents as long as they have a residence outside the US.
Can buy health insurance for elderly Green Card immigrant parents from a few days up to 5 years.
Available as monthly, quarterly, semi-annually or annual increments.
Health insurance for elderly immigrant parents available even 24 months after arriving in the US.
Health insurance for Green Card Holders senior citizen parents till they are eligible for domestic US health plans.
Green Card Holders visiting USA that covers pre-existing conditions
Dear Sir,We two my wife and myself will be reaching USA with Green Card and will stay in Florida.
Will like to know which is the best health insurance for new immigrants over 65 ?
We both are in fairly good health but must cover pre-existing conditions.
We have no income source in US.
There is one fixed option renewable for up to 364 days:
Safe Travels Elite insurance: This plan is designed for Green Card holder who intend to stay on in the USA.
INF insurance offers coverage for pre-existing conditions. The Premier Plan is the only fixed benefit (Scheduled benefits) plan with full pre-existing coverage and the Elite Plan is the only comprehensive visitor medical insurance plan with full pre-existing coverage. INF Premier and INF Elite plans should be purchased for minimum 3 months." Green Card Holders can buy INF medical insurance for parents as long as they have a residence outside the US.
There are comprehensive insurance plans for Green Card Holders from Trawick International:
If you can list a country other than the US as your home country, this comprehensive policy may work for you.
Safe Travels USA or Safe Travels USA ComprehensiveSimilarly, the Safe Travels USA Comprehensive plan covers acute onset of pre-existing medical conditions up to 70 years, this also includes Cardiac conditions. Please see the brochure for details.
There is one comprehensive benefit insurance from IMG:
If you can list a country other than the US as your home country, this comprehensive policy may work for you.
Patriot America Lite or Patriot PlatinumSimilarly, the Patriot Platinum plan has some coverage for pre-existing conditions. Please see the brochure for details. This plan has more options available for persons over 70.
Please let us know if we can help you in any further.
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