The US government has proposed a new rule on October 4th 2019 which states that prospective new immigrants to the US are required to show proof of having proper health insurance coverage in the US. This new rule is expected to take effect from November 3rd 2019.
This rule will impact new immigrants to the US who are family members of current US citizens and are applying for visas to come to the US as immigrants. Failure to show proper US immigrant health insurance will be grounds to deny the visa according to this new rule.
Persons which hold Green Cards have particular options for visitor health insurance. Unfortunately, these options (more like limitation) are not obvious from the brochures and information about the many visitor insurance policies that are available. The worst situation would be to purchase a policy and then come to find out that you will not be covered because you were not eligible for the policy in the first place.
Most visitor policies are only temporary insurance (from 5 days to 12 months only; although some are renewable for more time) for temporary visitors. A green card holder is considered a US permanent resident (whether or not the person actually does reside here permanently) and therefore is often NOT eligible for a short-term health insurance for green card holders.
While details of the new immigrant insurance requirements are still to be announced, the best US immigrant insurance or or best health insurance for green card holders plans that we offer on American Visitor Insurance work as short term health insurance which US immigrants can use till they are eligible for domestic US insurance plans.
It is because of this reason that we, at American Visitor Insurance, have specifically asked our providers about the eligibility of the green card holder and medical insurance for new green card holders.. The best health insurance policy for Green card holders in USA are three policies. One policy, Patriot America, (and actually any of that family of product: Patriot Platinum) is available ONLY if the insured can put down a legitimate address outside the US as a home country.
So, for persons who travel back and forth from a foreign country and spend some time in the US, this is often the most economical option which offers comprehensive coverage. You can buy Patriot America Insurance policy and look at Patriot America Brochure for more plan details.
A visitor insurance for green card holders option that has been specifically designed for the green card holder is found in Inbound USA Choice. This medical insurance for new green card holders offered by Seven Corners is for green card holders (although non-green card holders can also apply). It is renewable up to 3 years which is the time it takes for an immigrant to become eligible to apply for medicare.
This is a fixed policy which has limits on benefits for each medical expense. However, the coverage is fairly high for a fixed plan and can be a very economical option for green card holders. You can buy Inbound USA Choice Insurance and for more plan details look at the Inbound USA Choice Brochure.
The Patriot America Plus by IMG is an excellent comprehensive plan that will cover new sickness and accident including COVID 19. This plan is suitable for Green Card holders as long as they reside outside the US.
INF insurance offers good health insurance for green card parents, mainly those who are above age 65. These USA healthcare insurance for Green card holders also offer ancillary benefits such as dental and telemedicine which are usually separate policies under domestic US health insurance.
Review the list of INF health insurance plans avaiable for US green card holders:
The travel ban for non –essential travel is now to be lifted for all nationals travelling to US. The US authorities have announced that effective November 8th 2021, fully vaccinated international travelers will be allowed by air and land to the US.
Travelers need to produce a poof of vaccination and proof of a negative Covid19 test report taken 72 hours prior to boarding the US flight. Along with preventive measures, a adequate travel medical insurance will certainly help in stress free and safe travel.
COVID19 coverage 
Recent immigrants, green card holders, as well as short term visitors can purchase this plan
COVID19 coverage COVID19 coverage COVID19 coverage There are several plans designed to offer temporary coverage for new immigrants. New immigrants can buy visitors medical insurance cover which work well as new immigrant insurance in the US till they are eligible for domestic US health insurance.
These plans can provide new immigrants with coverage for up to 2 years. At American visitor insurance new immigrants can get quotes and compare several new immigrant health insurance policies and make an informed decision.
Travel insurance does not have a fixed standard price and varies based on different factors such as the cost of the trip, the age of the traveler, the type and amount of insurance coverage required ….
In generalthe cost of the travel insurance cover for trip cancellation may be anywhere from 4%-10% of the total Pre-paid and non-refundable cost of the trip.
For example - if your total cost of the trip is $5,000, travel insurance policy may be ranging between the price from $250-$500, subject to the variables opted.
There are many US Green card holders either without proper health insurance for permanent residents, or have medical insurance for Green card holders over 65 but without any Covid19 coverage. Even though Covid related fatalities have come down, Covid remains a threat due to the increase in the Covid sub-variants.
Any hospitalization due to Covid can be very expensive and having good medical insurance for permanent residents has become essential. At American Visitor Insurance, we are committed to getting the best Covid Green card travel insurance. The covid-19 coverage plans treat coronavirus related illness like any other illness irrespective of the variant.
The following US insurance providers offer Green card holder health insurance including the best health insurance for Green card holders over 65 years old.
Atlas America Insurance: WorldTrips Coronavirus immigrant health insurance namely Atlas America insurance offers Covid19 US immigrant health insurance coverage for unexpected medical expenses
The Patriot America Plus and Patriot Platinum America insurance can be
used by green card holders as long as they maintain a residence outside the US. These plans offered by IMG are specifically designed for short term travel to USA. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age.
The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. Persons under 70 years of age can get up to $1 million maximum coverage. These plans also cover COVID19 illness up to the maximum of the policy. Please note the Patriot America Lite plan does NOT cover COVID!
Diplomat America Insurance: Global Underwriters namely Diplomat America insurance offers Covid19 US green card health insurance coverage for unexpected medical expenses
The INF travel insurance works well if you are currently uninsured or to complement an existing policy for Coronavirus coverage or if you are replacing an existing health insurance for elderly immigrants that does not provide adequate insurance coverage in light of the coronavirus pandemic.
US Green card holders can buy these INF insurance plans. INF offers two fixed benefit plans namely INF premier insurance and INF standard insurance and two comprehensive benefit plans namely INF Elite plan insurance and INF Traveler USA insurance with Covid19 coverage. These INF plans are quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if they has limitations in coverage for COVID19. Green Card holders can buy INF plans as long as they have a residence outside the US.
Please know we are here to help you make the best, informed decision to get Covid19 green card parents health insurance! Let us know how we can assist you. Feel free to contact us by email or phone at any time.
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