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Best Health Insurance For Green Card Holders, New Immigrants

Visitor Guard® offers dependable and trustworthy health insurance plans for new US immigrants, such as medical insurance for green card holders who have been sponsored by family members. Likely, immigrants (those on H-4 & F-2 visa holders) can also buy insurance from Visitor Guard® until they are eligible for domestic insurance policies. 

The cost of healthcare in the United States can get very high. Even a single consultation with the doctor can cost you dollars! If you are a green card holder, you must get health insurance to avoid any emergency that might cause you a lot of money. But, choosing the right plan can be tricky. Before opting for a specific plan, you must have an understanding of what you might need. 

Our robust plans cover a range of health benefits including hospitalization, doctor’s visits, prescription drugs, and the acute onset of pre-existing conditions. You can choose from ‘Limited benefit’ or ‘Comprehensive’ plans as per your requirements.    

Health Insurance For Green Card Holders

Health Insurance Plans For Green Card Holders

visitor-guard - first-aid-kit

Patriot America Plus

$71 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $2,500
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 yearsfrom 5 days to 2 years
  • Brochure
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Patriot America

$72 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $2,500
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure
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visitor-guard - first-aid-kit

Patriot Go Travel

$82 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $2 million
  • Deductible options from $0 to $2,500
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Renewal Coverage from 5 days to 2 years
  • Brochure
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DIPLOMAT LONG TERM

$173 / mo For age 45 year with $500,000 plan and $250 deductible
  • Plan maximum limit choices from $500,000 and a $1 million
  • Deductible options from $0 to $5,000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid -19
  • Unexpected recurrence of a pre-existing condition( for US citizens)
  • Renewal Coverage from 5 days to 2 years
  • Brochure
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Patriot Platinum

$142 / mo For age 45 year with $2 million plan and $250 deductible
  • For age 45 year with $2 million plan and $250 deductible Plan maximum limits ranging from $1 million to $8 million
  • Deductible options from $0 to $2,500
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure
Purchase Now
visitor-guard - first-aid-kit

Visitors Care Insurance

$30 / mo For age 45 year with $50,000 plan and $100 deductible
  • Plan maximum limits ranging from $25,000 to $100,000
  • Deductible options of $0, $50, $100 (varies by age)
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
  • Brochure
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Health insurance for green card holders over 65

Green card holders above 65 can qualify for Medicare if they meet the eligibility criteria for the program. If they do not meet the eligibility criteria for Medicare, they can purchase domestic plans from healthcare.gov. Again, they need to meet some criteria to enroll in these domestic plans.

If  Seniors 65 years of age come to the US, they cannot buy domestic plans or enroll in government insurance programs. This is because they are still immigrants and have not received  their green card yet.  They are left with options of buying  a health insurance from a US insurance provider, like us. If these seniors have submitted the immigration documents and are waiting on the green card, they are still considered visitors and cannot apply for domestic plans through Obamacare until they receive their green card nor can they apply for Medicare or Medicaid.

Visitor Guard® has plenty of health insurance plans for people when they are waiting on the green card holders and for new immigrant after getting a green card. Call us and get a quote.

Best medical insurance for green card holders over 70

Green card holders over 70 can enroll for Medicare or Medicaid if you meet all the eligibility criteria. You have the option to buy plans from healthcare.gov. If you have newly obtained the status of green card, you may qualify for the special enrollment period. If you do not qualify for the special enrollment period and are waiting for the Open Enrollment period for Obamacare, you will need insurance coverage during that brief time. During this time, You can buy plans from private insurance companies or sign up for short term insurance.

Patriot America Lite, Patriot America Plus, Patriot Platinum America, and Bridge Plan Part A & B are some popular comprehensive plans for 70+ year-old green card holders that can cover you  in the US. To know more about these plans, contact us.

Health insurance for new immigrants to the US

If your immigration paperwork is still pending, you are considered visitors.   There is a long waiting period before you receive the green cards and obtain legally permanent resident (LPR) status. Once you fall into the category of LPR, You can buy plans from healthcare.gov only if you meet the eligibility criteria.

During the waiting period, new immigrants can buy medical insurance policies from a US insurance provider, like us. The plans will typically cover you from new illnesses or injuries, hospital stays, doctor’s visits, urgent care, acute onset of pre-existing conditions, and more. There are fixed and comprehensive plans designed to meet every category of visitors.

Can a green card holder get medical insurance?

Yes, a green card holder can get medical insurance in the US. As a green card holder, you gain the status of legally permanent resident (LPR), making you eligible to enroll in government programs and signing up for domestic plans from healthcare.gov. However, there are some requirements and eligibility that one must meet to avail these insurance plans.

If you have not obtained a green card status yet, you will be considered a visitor in the US and can consider the visitor insurance plans during this time. If you got your green card but have missed the Open Enrollment for Obamacare and are waiting for the next enrollment window, you will need  an insurance coverage to protect you during this brief period. In such cases, you can consider buying  immigrant insurance plans to cover you temporarily till the next enrollment window comes.

Visitor Guard® can help you choose the right policy that can keep you covered during the transitional period.

Benefits of Green Card Medical Insurance

Understanding that health care in the United States can be very expensive, we make sure that you choose the best medical insurance plan that fits your needs and doesn’t make a hole in your pocket.

  1. Saves you from bankruptcy Covers medical expenses that might otherwise cost you a lot.
  2. Covers critical illness Health Insurance plans for Green Card holders provide coverage against life-threatening critical diseases which require immediate attention.
  3. Coverage of pre-existing conditions Many health insurance plans provide coverage against the acute onset of pre-existing conditions. Choose Visitor Guard® to avail the benefits.
  4. Protection from Covid-19 Provides coverage for all covid related medical issues.
  5. Prescription Drugs A lot of Health Insurance plans for immigrants provide coverage for prescription drugs for new medical conditions.

Why choose us green card holder health insurance?

Visitor Guard® makes sure that you are provided with the best plans so that you can travel to the US without any hassle.

  1. Global Reach We offer specialized insurance services to all the immigrants and green card holders of the US from all around the globe.
  2. Excellent Customer Service Our customer service provides support 24*7 to solve all your queries.
  3. Secure and easy purchase Purchase from the Visitor Guard® without any hassle. Visitor Guard® provides safe and secured purchasing benefits.
  4. Claim quickly Visitor Guard® helps you claim your plans quickly and smoothly.
  5. Compare between the best plans Compare between the best health insurance plans for green card holders with the best rates and choose what fits you.

How to get Medical Insurance for Green Card Holders?

Getting a quote and applying for a medical insurance plan is quite simple. You will need to provide some basic information like 

  • Date of birth, 
  • Travel dates,
  •  Country of citizenship, 
  • Residence address, and 
  • Email address.

Payment can be made with a credit card.  Once the application is complete and submitted, you get a confirmation immediately. You can download and print your ID card, Visa letter, and other insurance documents. Know more about how to get insurance for green cardholders.  

The medical insurance plans for green card holders and new immigrants are designed to cover big expenses from hospitalizations or small bills from doctor office visits due to accidental injuries or illnesses. Expenses for medical evacuation and repatriation can also be covered. 

Can undocumented immigrants get health insurance in the US?

Undocumented immigrants are not eligible to buy Marketplace health coverage or for premium tax credits and other savings on Marketplace plans. They can apply for coverage on behalf of documented individuals. Or they may be able to buy insurance plans from private insurance companies. Undocumented immigrants can sometimes obtain health coverage through their partner's plan if the partner is offered employer-sponsored health insurance, where they can add coverage for their spouse or dependents. Check the plan’s brochure for a better understanding of the eligibility.

Can I add my spouse to my health insurance if he/she is not a US citizen?

If you are a US citizen and your spouse is not, you may be able to add him/her to your health insurance. However, do check the eligibility on your plan before proceeding. Eligibility can change based on if your spouse is here on a visa or a green card and your spouse has a social security number. If you are waiting for your immigrant status, you can buy visitor insurance.  You can add your spouse (non-US citizen) to your health plan when applying  or you can buy a separate plan for your spouse. If you are on a J1 visa, you must meet the US State Department’s insurance requirements. Henceforth, check with your sponsor if your spouse (who will be on a J2 visa) can be added to your plan .

Can I add my immigrant spouse to my health insurance?

If you are a US citizen, you can add an immigrant spouse to your health insurance only if they are eligible. If you have coverage through your employer, it would be a good idea to talk to the company to find out when and how you can add your spouse to the plan. If you and your spouse both are immigrants and need insurance coverage, you can buy health insurance plans from a private insurance company or through healthcare.gov. You can add your spouse to your insurance coverage or get a separate policy for them, depending on the policy.

Can I add my foreign spouse to my health insurance?

If you are a US citizen and your spouse is a foreigner, you may be able to add your spouse to your coverage. It is necessary to check whether your domestic plan covers your spouse. Your spouse will need to meet the eligibility for the plan. If you are an immigrant waiting for your green card, you can buy plans from private insurance companies. In such cases, you cannot add your spouse to your existing coverage but can buy a different individual plan. A separate plan for a spouse is recommended if an individual is above 60. However, do check if the policy allows it or not.

Medical Insurance for Green Card Holders Senior Citizen

If you are a green card holder above the age of 65, you must consider purchasing medical insurance to save yourself from any unforeseen accidents. It is advised to purchase your health insurance from the United States itself.

Depending on your time of stay in the US, you should apply for medical insurance plans for green card holders. Visit Visitor Guard® and get your free quote.

Some of the best health insurance for green card holders over 65 years are-

  1. Patriot America
  2. Patriot America Plus
  3. Patriot Platinum
  4. Diplomat LongTerm
Are pre existing conditions covered by new immigrant health insurance?

How do Senior Immigrants get Health Insurance?

Can new immigrants get Medicare? If you are a Green Card holder above the age of 65 years you may be curious about Medicare or state-sponsored Medicaid and whether you can receive this option. You can apply for Medicare typically once you have lived in the U.S. for 5 years.  Of course, new immigrants don’t have this option; you can consider the immigrant plans or the federal plans; you need to secure coverage directly through insurance companies to cover costs.

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How Much Should I Pay for health Insurance for Green Card Holders? 

  Immigrant Insurance Cost   
Immigrant Age Plan Medical Limit Immigrant Insurance Premium
  Limited Benefits  
50 – 60 years $50,000  $42 per month 
60 – 70 years  $50,000  $50 per month 
Above 70 years $50,000  $82 per month 
  Comprehensive Benefits   
50 – 60 years $50,000  $104 per month 
60 – 70 years  $50,000  $121per month 
Above 70 years $50,000  $206 per month 

Know about Immigrant Health Insurance 

In October 2019 President Donald Trump signed The Proclamation stating that a new immigrant will have to show proof of health insurance when they enter the US.

This proclamation empowers the government to stop the entry of immigrants who either do not carry health insurance or do not have the ability to pay for their medical costs while visiting the US.  

New immigrants might not qualify for domestic healthcare right away and can consider private insurance. You can opt for either Fixed or Comprehensive plans.

These health insurance plans for New immigrants can provide coverage for hospitalization, intensive care, prescriptions, and more.  The plans typically exclude coverage for preventive care and pre-existing conditions. Be sure to read the brochure for coverage and exclusions.  

Getting Health Insurance for Green Card Holders

You could possibly fall in one of the following categories: 

1. You are in the process of getting a Green Card.

If you are currently in the US on a visitor’s visa and your family members have applied for a family-sponsored Green Card, you are considered a visitor till you receive your Green Card. During this time you can consider any of the Visitor Insurance plans and then switch to the Health Insurance plans for new immigrants once you receive your Green Card.

 2. You have received your Immigrant Visa – I551 and are traveling to the US.

Based on the proclamation signed by President Donald Trump in October 2019, a new immigrant will have to show proof of health insurance when they enter the US. This proclamation empowers the government to stop the entry of those who either do not carry health insurance for new immigrants or do not have the ability to pay for their medical costs while visiting the US. In such cases, you can consider private insurance like these Immigrant plans.  

3. You have a Green Card and shuttle between your country of citizenship and the US

There are various immigrants who have received a Green Card and due to personal reasons divide their time and shuttle between the US and their country of citizenship. In such scenarios, you can consider these Immigrant plans. You might be eligible for domestic plans as well.     

Health insurance for green card holders over 65

4. You have a Green Card and live in the US permanently.  

You are no longer required by federal law to have medical coverage however it is up to each individual state to mandate health care for a resident. The individual mandate states as of January 2020 are Massachusetts, New Jersey, Vermont, California, Rhode Island, DC. If you are a resident of one of these states please review the state’s minimum healthcare requirement and make sure to abide by it to avoid any penalty.  

As a permanent resident you can apply for the federal plans at healthcare.gov during the open enrollment period (begins on Nov 1st every year), get job-based healthcare, or enroll for plans through Anthem, Cigna, Aetna, etc. If you are a new immigrant and are not eligible for these plans, you can consider getting private health insurance plans for new immigrants.

Medical Insurance for Green Card Holders

Health Insurance for Immigrants with Pre-Existing Conditions 

Based on which of the above categories you fall in, different plans provide you with different coverage. As an immigrant, if you are eligible and qualify for the domestic plans (i.e. Anthem, Cigna, etc.) or enroll for Obamacare, pre existing and preventive care (health checkups, vaccinations, etc.) are not excluded. If you do not qualify for these plans, depending on your age the private health insurance plans for immigrants may be able to provide with acute onset of the coverage of a preexisting condition but not for existing prescription refills.  

Health Insurance for Green Card Holders FAQs

As an immigrant, you are a resident of the US. You can either get health insurance from your employer or through the Marketplace or Medicare depending on your eligibility (years you have had your Green Card and your age.) If you are a new immigrant to the US, you can consider the immigrant insurance on this page.

Yes, you can add your spouse to the immigrant health insurance if you both have the same effective date of the policy. If one of you is already on medical insurance for Green Card holders and the plan is already active then you can sign up for a separate plan for your spouse.

No new immigrants are not eligible for Medicare unless they live in the US for at least 5 years.

As a Green Card holder, you are a resident of the US. You can either get health insurance from your employer or through the Marketplace or Medicare depending on your eligibility (years you have had your Green Card and your age.)

How much you pay for an Immigrant health insurance policy will depend on a few factors. Your age, the number of days you need coverage, the policy maximum, and deductible you opt for all go into calculating the premium for immigrant health insurance.

If your immigrant parents have Green Cards and have lived in the U.S. for at least five years, they might qualify for Medicare. Undocumented immigrants are not able to get Medicare.

A lawful permanent resident i.e. a Green Card holder living in the US may qualify for affordable health insurance from the healthcare marketplace- federal or state, or through a healthcare program in their resident state. President Donald Trump signed the proclamation in October 2019 which states that a new immigrant will have to show proof of health insurance when they enter the US. You can compare the immigrant insurance plans on this page to review the insurance options available for new immigrants.

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