US Immigrant Health Insurance

Insurance plans offered here provide health insurance coverage for new immigrants (Green Card holders sponsored by family members) and potential immigrants (H4 & F2 visa holders) till they are eligible for domestic insurance.
 
Chinese
Spouse
Non-USA USA
Same
Do not need coverage for Pre-existing conditions
Need Coverage for Pre-existing conditions without waiting period
Need Coverage for Pre-existing conditions with waiting period
 
 Types of insurance?   Insurance terms explained 

Popular insurance quotes for Age:

Comprehensive plans pays for all expenses after the deductible and co-insurance component and are recommended given the high costs of health care in the US.
Visit USA by Travel Insurance Services
  • Maximum coverage#1
  • Deductible#2
  • Key Features Can be renewed year after year
  • More...
  • $33.79 PER MONTH BUY
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Patriot America by IMG
  • Maximum coverage#1
  • Deductible#2
  • Eligibility Under 65 years of age plan must be bought within 6 months of arrival in US. Over 65 years of age plan must begin within 30 days of arrival
  • Key Features Available to persons with foreign address More...
  • $37.00 PER MONTH BUY
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Atlas America by HCCMIS
  • Maximum coverage#1
  • Deductible#2
  • Key Features Always eligible for purchase no matter what age and how long a person has been in the US More...
  • $42.16 PER MONTH BUY
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Fixed benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Visitor's Care by IMG
  • Maximum coverage#1
  • Deductible#2
  • Heart Care Plus
  • Eligibility Over 65 years plan must begin within 30 days of arrival in the US
  • Key Features Coverage for pre-existing conditions regardless of age
  • More...
  • $38.00 PER MONTH BUY
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Inbound Immigrant by Seven corners
  • Maximum coverage#1
  • Deductible#2
  • Eligibility Plan must be bought within 24 months of arrival in US
  • Key Features Specifically designed for recent immigrants
  • More...
  • $49.91 PER MONTH BUY
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Inbound USA by Seven corners
  • Maximum coverage#1
  • Deductible#2
  • Eligibility Plan must be bought within 12 months of arrival in US
  • Key Features Covers pre-existing like any other condition for those under 70 years
  • More...
  • $63.55 PER MONTH BUY
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#1: Maximum Coverage is the maximum eligible medical expenses that the plan will cover.

#2: Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.


Immigrant plans are long term plans with some being renewable up to five years, and they cover medical expenses incurred during sudden illness or injuries. Some plans like the Geo Blue Explorer can also cover pre-existing medical conditions and preventive care, but policy issuance is not guaranteed and needs have an underwriting approval.

  • It is very risky for anyone to be uninsured in the US, especially new immigrants who soon after arriving in the USA are particularly vulnerable given the new environment that they are in.
  • There is a waiting period till new immigrants are eligible to purchase domestic health insurance and can therefore buy immigrant insurance plan as an interim coverage.

Pre-existing Condition Coverage Most likely customers for immigrant insurance
The coverage offered under immigrant insurance plans can vary depending on the specific circumstances of new immigrants. Following are some of the eligibility criteria for green card holders:
  • Frequently traveling Green Card Holders (between the US and home country): Green card holders who travel to their home country or who may not be staying permanently in the USA are advised to buy insurance coverage. You should be aware that insurance plans will not provide coverage for preventative care (health check ups, vaccinations...) or has limited coverage for pre-existing medical conditions.
  • Green Card Holders permanently living in the USA: If a US green card holder is living permanently here then he or she is eligible for domestic health insurance plans. However this depends on the duration of stay in US. If you are below 65 years then you are eligible for domestic health insurance plans such as Blue Cross, Blue Shield, however they are usually eligible only after living in the US for 6 months or more. In this case also, purchasing insurance till they become eligible for domestic plans makes sense. For those above 65 years who are not yet eligible for Medicare or domestic health insurance, they can select the Global Citizen plan offered by HTH Worldwide or in some states the GEO Blue Explorer plan. Global Citizen and GEO Blue Explorer offers excellent coverage including pre-existing medical cover.
  • Recent Green Card Holders or New Immigrants: New immigrants who can be parents or family members who have recently arrived in the USA can buy insurance depending on the duration of stay. These plans can be purchased for the period till you are eligible for domestic health insurance.
  • Applied for Green Card and waiting: If your children/grandchildren have applied for Green Card and waiting you can buy insurance coverage which will be suitable for them.

Highlights of immigrant insurance plans
  • These plans can be purchased for a few days up to as long as 5 years.
  • Plans are renewable and available as monthly, quarterly, semi-annually or annual increments.
  • Some plans can be enrolled even 24 months after arriving in the United States.
  • Immigrant insurance plans provide an interim bridge coverage till you are eligible for domestic health plans.