Finding the Best Health Insurance for New Immigrants
Visitor Guard® offers dependable and trustworthy US immigrant health insurance plans for new US immigrants, such as 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.
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.
Most plans require no paperwork or medical examinations when you apply for coverage. Just use our easy online application, and purchase using a credit card. After you submit your application, coverage can begin as early as the next day or on any future date you require. Applications require basic details including your name, date of birth, address, and sometimes passport number. Confirmation of coverage, including ID cards, is received immediately by email.
The health insurance for new immigrants offered by Visitor Guard® is not Affordable Care Act (ACA) compliant. Preventive care, pre-existing conditions, and maternity coverage are typically excluded benefits. However, some plans can provide limited benefits for the acute onset of pre-existing conditions. Review each certificate’s wording carefully for complete details.
How Do Immigrants Get Health Insurance?
If you are a new immigrant to the US and just received your Green Card you may not be eligible for the domestic plans. The US is known to have high medical costs and hence it is extremely important for you to have an insurance plan that can help cover these high medical costs if you become injured or ill.
The immigrant insurance policies are designed to cover big expenses from hospitalizations or small bills from doctor office visits due to accidental injuries or sicknesses. Expenses for medical evacuation and repatriation can also be covered.
Getting a quote and applying for a policy 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.
How Much Should I Pay for Health Insurance?
|Immigrant Insurance Cost|
|Immigrant Age||Plan Medical Limit||Immigrant Insurance Premium|
|50 – 60 years||$50,000||$42 per month|
|60 – 70 years||$50,000||$50 per month|
|Above 70 years||$50,000||$82 per month|
|50 – 60 years||$50,000||$104 per month|
|60 – 70 years||$50,000||$121per month|
|Above 70 years||$50,000||$206 per month|
Know Before You Go- 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 plans 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.
How Do Green Card Holders Get Health Insurance?
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 your receive your Green Card. During this time you can consider any of the Visitor Insurance plans and then switch to the Immigrant Insurance plans 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 immigrants who either do not carry health insurance 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.
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 healthcare 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 private health insurance with these Immigrant plans.
Health Insurance for Immigrants with Preexisting 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, preexisting and preventive care (health checkups, vaccinations, etc.) are not excluded. If you do not qualify for these plans, depending on your age the private Immigrant plans may be able to provide with acute onset of the coverage of a preexisting condition but not for existing prescription refills.
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 ArticlePurchase now
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.