Top 5 Best Health Insurance for Non Residents in USA

Best Health Insurance for Non Residents in USA

Visiting and exploring the US is a whole new level of adventure! A place full of new challenges to face for Non Residents. After all, it’s never too easy adjusting to a new environment right?

Besides all that, the ever-increasing costs of health in the US is another factor causing stress. Any need for medical help can cost dollars and create holes in your pocket. That’s the last thing anyone would want while in a new place right? But does that mean you should cancel your plan for visiting the US? Absolutely not!

All you need to do is plan beforehand and purchase your health insurance to safeguard any health complications that may arise. But again, choosing the right health insurance can be tricky too, especially if you have never purchased one. This guide will help you understand what’s best for you so that you can make your own decision quickly and effortlessly!

What does Health Insurance actually do? Health care costs are increasing every day and without health insurance, most people would struggle to afford health care facilities. 

Health Insurance helps people:

1. Get financial support in times of any health emergency.
2. Ensure that they can avail health care facilities when needed. 

In one line, Health Insurance plans help in making health care affordable!

Key benefits of Health Insurance plans

Before making a decision regarding the purchase, it’s important that you understand what are the main things Health Insurance plans provide coverage for. 

1. Coverage for expenses of in-patient hospitalization: Hospital expenses for overnight hospital stays . This includes expenses or ICU, rent room, medicines, etc.
2. Transportation expenses: Most health insurance plans provide coverage related to the expenses of transporting a patient.
3. Pre and Post hospitalization expenses: That occurs within the specified period before and after hospital treatment.
4. Acute onset of pre-existing conditions: Many  comprehensive plans provide this benefit for people with pre-existing conditions especially senior citizens.
5. Emergency Evacuation: Evacuation can cost a lot. Health Insurance plans also compensate for the expenses that occur for evacuating a patient tp the nearest qualified faciity.
6. Repatriation costs: This benefithelps with mortal remains to be transported back to the home country. Plans also have the option for local cremation.  With an insurance plan, you get covered for these expenses as well.
7. Dismemberment benefits: Paid if the policyholder accidentally dies or loses his sight or limbs in an accident. 

Recommended Health Insurance plans for Non Residents in USA

Now comes the tricky part, choosing the right plan that aligns with your requirements. The health care standard of the USA is higher and thus is its costs. With good knowledge about the plans available, you can save yourself from any unforeseen health emergency. 

But first, let’s talk about the different kinds of plans available — Limited Benefit plans, Comprehensive plans. 

Limited Benefit plans

These are the plans that provide fixed or pre-defined benefits. In other words, these plans have sub-limits on all the benefits.  These are a good fit if you need basic coverage at a low cost. 

Comprehensive plan

These plans provide a greater amount of coverage than the limited benefits plan and thus costs more. These plans are perfect for risk-averse people and those with health issues. 

Here are 5 best health insurance for non residents we recommend

1. Safe Travel USA Comprehensive

This is a comprehensive insurance plan that provides medical benefits to people traveling alone or in groups to the USA. After the deductible is met, this plan provides 100% coverage up to the maximum mentioned in the policy if network providers are used This plan also waives the deductible if you use a doctor/ hospital within the PPO network. Outside the PPO network, this plan provides coverage up to 80% for the first $5,000 and 100% thereafter. 

Key features:

• Provides coverage for Covid-19.
• Coverage for acute onset of pre-existing conditions.
• Coverage ranges from 5 days to 2 years.
• 24 hours emergency assistance. 

2. Patriot America Plus

This is also a comprehensive health insurance plan and provides extensive coverage for travelers outside their residence country. With a total coverage of up to 100% within the PPO network and up to 80% till the first $5,000 and 100% thereafter outside the PPO network, this plan is perfect if you are a risk-averse person.

Key features:

• Provides coverage for Covid-19.
• Coverage for non-chronic acute onset of pre-existing conditions.
• Deductible options range from $0 to $2,500.
• Coverage for at least 5 days and at most 2 years.

3. Atlas America

This is a comprehensive health insurance plan for travelers visiting the USA and has a widely reputed PPO network. It is underwritten by Lloyd’s which is known to be the oldest and largest marketplace in the world.

Key features:

• Provides up to $25,000 for emergency medical evacuation.
• Coverage from 5 days to 1 year.
• Deductible options range from $0 to $5,000.
• Provides coverage for acute onset of pre-existing conditions.

4. Visitor Care insurance

This is a limited benefit plan that also provides coverage for acute onset of pre-existing conditions.

Key features:

• Deductibles vary with age between $0, $50, and $100.
• Coverage ranges from 5 days to 2 years.
• Provides coverage for Covid-19.

5. Safe Travels Elite

Limited version of the comprehensive plan that provides a fixed amount of benefits for people up to the age of 89 years.

Key features:

• Provides 6 plan limits.
• Coverage for Covid-19.
• Coverage for acute onset of pre-existing conditions.
• Extendable but usually coverage ranges from 5 days to 1 year.

Still not sure which plan to choose? Feel free to reach out to us and we will help you with all your queries.