Top 5 Best Selling Comprehensive plans for Green Card Holders 

Earning your Green Card opens doors to a new life in the US, but navigating the healthcare system can be complex. Unlike some countries, the US healthcare system is privatized, meaning you will need health insurance to cover medical expenses. 

Here is a breakdown of the top 5 best-selling comprehensive visitor insurance plans specifically designed for Green Card holders, helping you choose the best fit for your needs and budget. 

Note that not all green card holders are eligible to buy visitor insurance plans. Check your eligibility and other insurance options before buying a policy. 

Table of Contents: 

• Top 5 Best Selling Comprehensive Plans 
• FAQs 
• Conclusion 

Top 5 Best Selling Comprehensive Plans 

1. Safe Travels USA Comprehensive 

This is one of the best-selling comprehensive plans for green card holders. It offers medical and trip related benefits, with numerous policy maximum and deductible options. The plan is best suited for visitors coming to the US for a brief stay. So,  if a green card holder is currently living outside the US and is looking to relocate to the US, they would be eligible for this policy and can be covered up to 364 days. 

The main benefits are: 

• Covers 1 acute episode per pre-existing condition covered up to policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for 69y & under. 
• $30 copay if treated at Urgent Care. 
• Plan pays 100% coinsurance up to policy maximum per year. 
• $250 for dental accidents and emergencies. 
• Emergency medical treatment of pregnancy up to $ 1,000 per Policy Period. 
• Evacuation up to $2,000,000 per Policy Period. 
• Mental or Nervous Disorders up to $2,500. 
• Optional upgrades include Return to Home Country Coverage, Sports Activity Coverage, and AD&D. 

2. Patriot America 

Patriot America offers coverage outside the country of residence. There are three categories of plans inside the US- Lite, Plus, and Platinum. The plan is ideal for individuals, families, and groups. Each plan with Patriot America provides various levels of coverage, making it important for the policyholders to read the brochure before buying. 

The main benefits are: 

• Policy maximum up to $1 million (Lite and Plus) and up to $8 million (Platinum). 
• The plan can be extended to 24 continuous months (Lite and Plus) and up to 36 months (Platinum). 
• The plan pays 100% coinsurance in-network (all categories). 
• Covers the acute onset of the pre-existing conditions (only Plus and Platinum). 
• The Platinum plan covers Telehealth, Travel Intelligence, and Evacuation Plus. 

3. Visitors Protect 

Visitors Protect plan is designed specifically for individuals and families traveling from their home country to the US, Canada, and Mexico. This plan offers temporary coverage for pre-existing conditions, making it one of the best sellers among the green card holders. The plan must be purchased for 90 days (about 3 months) up to 12 months and must be purchased while still in the country of residence before traveling to the US. 

The main benefits are: 

• The plan pays 75% coinsurance in-network. 
• There is a precertification requirement for emergency medical evacuation. 
• $250, $500, $1,000, $2,500, or $5,000 options of deductibles. 
• For pre-existing conditions, the maximum limit up to age 69 is $25,000 and the maximum limit from ages 70 and older is $20,000. 
• Covers CareClix Consultation. 
• 75% of chosen policy maximum for dental accidents. 

4. Diplomat America 

This is yet another comprehensive plan suitable for green card holders, if the US is not the permanent home country. The plan covers them inside the US from 15 days (about 2 weeks) up to 365 days (about 12 months). This plan offers benefits to those traveling outside their home country to the US. Applicants must reside outside the US. 

The main benefits are: 

• The plan pays 80% up to $5,000 , and then 100% to the Medical Maximum for a covered illness/injury. 
• Emergency Medical Evacuation and Repatriation up to $50,000. 
• Accidental Death and Dismemberment up to $25,000. 
• Covers Interruption of Trip, Lost Baggage, Return of Minor Children, and Incidental Trips. 
• Offers Optional coverage riders at additional cost for Athletic Sports & Hazardous Activity and AD&D. 

5. Diplomat Long-Term 

Diplomat Long-Term is another best seller in the list that a green card holder can buy for a short-term. The plan offers coverage inside and outside the US. It is designed to cover anyone traveling outside their home country, making it ideal for business and leisure travelers, expatriates, study abroad, work study programs, international exchange students and more. 

The main benefits are: 

• The plan pays 80% of the first $5000, then plan pays 100% up to policy max per policy period. 
• For pre-existing conditions, US Citizens are covered outside US up to $20,000 for under 65y & $2,500 for older. 
• Covers Emergency Medical Evacuation and Repatriation up to $500,000. 
• Covers Interruption of Trip and Lost Baggage. 
• Optional Coverage to Athletic & Hazardous Activity, Home Country Coverage, and War Risk Coverage. 

FAQs 

When do I need to get health insurance as a Green Card holder? 

There is no legal mandate for Green Card holders to have health insurance. However, it is highly recommended. US healthcare costs can be expensive, and unexpected illnesses or accidents can lead to significant financial burdens. Having health insurance offers peace of mind and financial protection. You can be eligible for the plans on healthcare.gov and can apply for these plans during the open enrollment period or if you qualify for special enrollment. If you miss the Open enrollment period or do not qualify for special enrollment, then you can apply for the short-term plan if you are eligible for them.  

Do Green Card holders qualify for Medicaid or Medicare? 

Eligibility for government-funded programs like Medicaid (for low-income individuals) or Medicare (for seniors 65+) depends on specific requirements, including income and residency duration. A new immigrant might not be eligible for these programs. Research program eligibility criteria to see if you qualify. 

Can I switch health insurance plans as a Green Card holder? 

Yes, you have the flexibility to switch plans during the annual open enrollment period for Marketplace plans (typically in Nov of each year). You might also qualify for special enrollment periods outside of open enrollment due to life events like job loss or marriage, etc. 

What happens if I travel outside the US with my Green Card holder health insurance? 

Most US health insurance plans offer limited or no coverage for medical expenses incurred outside the country. Consider purchasing travel insurance if you plan to travel internationally. 

Is there a “one-size-fits-all” health insurance plan for Green Card holders? 

Absolutely not. The best health insurance plan for a Green Card holder depends on numerous factors like age, health status, budget, and anticipated healthcare needs. Carefully evaluate your individual needs and compare different plans before deciding. 

What happens if I accidentally let my Green Card holder health insurance lapse? 

If you miss a premium payment and your health insurance lapses, your coverage will be terminated. Depending on the insurance company, the plan you have purchased and your state regulations, you might face a waiting period before you can re-enroll in a plan. 

Conclusion 

The US healthcare system might seem complex, but with a Green Card, numerous comprehensive health insurance plans are available to empower your well-being. Consider your budget, desired coverage, and health needs when comparing plans. Do not settle for a generic solution. Call us to know more about the best-selling plans!