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Medical Insurance For Green Card Holders

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.    

Medical Insurance For Green Card Holders

Medical Insurance for Green Card Holders – Limited Benefit Plans

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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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Inbound USA Insurnace

$38 / mo For age 45 year with $50,000 plan and $100 deductible
  • Plan maximum limits ranging from $50,000 to $150,000
  • Deductible options from $0, $50, $100 ($200 for above 70 years)
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs
  • Coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 3 years
  • Brochure
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Medical Insurance for Green Card Holders – Comprehensive Plans

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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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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
  • 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

Benefits of Medical Insurance for Green Card Holders

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 Health Insurance for Green Card Holders?

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. 

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. 

Medical insurance for green card holders over 65

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.

There are two options for purchasing medical insurance for green card holders over 65.

  1. Private Health Insurance
  2. National Health Insurance
Visitor Insurance for Parents

Private Health Insurance

If you are a new immigrant above the age of 65, you will have to purchase private health insurance. Immigrants who have lived in the United States for five continuous years are only eligible to apply for Medicare- the National Health Insurance of US. 

Some of the best private health insurance for greencard holders above the age of 65 years are-

  1. Safe Travels USA Comprehensive
  2. Safe Travel Limited Benefits
  3. Patriot Platinum
  4. Atlas America
  5. Inbound USA

National Health Insurance

You can apply for the National Health Insurance of US— Medicare only if

  1. You are above the age of 65 years
  2. You have lived in the US for five continuous years.
  3. You or your spouse have paid Medicare taxes for atleast 10 years.
  4. The Railway Retiremnt Board or Social Security is providing you retirement benefits.

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.

How Much Should I Pay for Health Insurance? 

 Immigrant Insurance Cost  
Immigrant AgePlan Medical LimitImmigrant 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.     

How new immigrants in USA get insurance  explained?

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.  

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. You can read more information in this Article

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Medical Insurance for Green Card Holders FAQ

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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