Greencard holders medical insurance
Green card holders can be categorized as follows
Green Card Holders who travel often between the US and their old home country
Green card holders who travel frequently to their old home country and who may are staying permanently in the USA are however still advised to buy good US travel health insurance coverage till they reside permanently in the US and get regular domestic US health insurance.
This group of customers should however be aware that these medical insurance for new Green card holders do not cover preventative care (health check-ups, vaccinations...) or have limited coverage for pre-existing medical conditions.
Green Card Holders permanently residing in the US
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 age of the Green card holder and the duration of stay within US. If one is below 65 years then they 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 short term travel health insurance till they become eligible for domestic plans is strongly recommended. For those above 65 years and are not yet eligible for Medicare or domestic health insurance, there are good options offered by
INF insurance.
New Green Card Holders or New Immigrants
New immigrants who can be parents or family members who recently arrived in the USA can buy visitor health insurance depending on their duration of stay. Again, these plans can be bought for the period till they are eligible for domestic health insurance.
Applied and waiting for Green Card
If one has applied for the Green Card and are waiting for permanent residency, they can buy visitor health insurance coverage that is ideal for them till they get the Green card and are eligible for other domestic US health insurance options.
Green Card Holder Medical Insurance
Purchasing Green Card Holder Medical Insurance depends on the specific situation of the Green card holder. The following are broadly the different health insurance options for Green card holders.
- Employer sponsored Insurance: Any Green card holder who has a regular job should try to get health insurance through their employer. Most US employers offer health insurance benefits to their employees and this includes Green Card holders. Employer offered health insurance is affordable as it is part of a larger group insurance and is much cheaper than buying health insurance as an individual.
- Visitor medical insurance: US insurance providers offer visitors insurance for Green Card holders till they are eligible for insurance either through an employer or are eligible for domestic US health insurance and Medicare. These Green card medical insurance options are available on American Visitor Insurance. Factors for the cost of Green card holder medical insurance are the medical coverage required, the deductibles and the network of healthcare providers.
- Medicaid: Green Card holders may be eligible for Medicaid which a state and federal program that provides health coverage for low-income individuals and families. However, this is available only to low income individuals and is based on the global assets and income.
- US Medicare: Green Card holders who have been living in the United States for at least five years may be eligible for Medicare when they turn 65 years old or meet specific disability requirements. However, parents who recently received their Green cards and who have not lived in the US for five years are not eligible for Medicare.
It is important understand what your options are based on your specific situation. Compare Green card health insurance on American Visitor Insurance to find a plan that best suits your needs and budget if you are not able to get insurance through an employer on through Medicare. Talk to licensed insurance agents on American Visitor Insurance to get guidance based on your specific situation as a Green Card holder.
Health insurance for Green Card holders over 65 years
Green Card holders over 65 years may be eligible for the Medicare if they have lived in the US for Five years and have paid US taxes for 40 quarters (minimum of 10 years). They will not be eligible for Medicare if they have not lived in the US for Five years. At American Visitor Insurance we offer best US health insurance to Green Card holders over 65 years which they can purchase till they are eligible for Medicare.
Green Card medical insurance for seniors
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Medical insurance for Green Card holders over 65 years
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Medical insurance for Green Card holders over 70 years
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Medical insurance for Green Card holders over 80 years
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Which is the cheapest travel health insurance for Green Card holders in the USA?
The most affordable plan for Green Card holders is Safe Travels Elite insurance from Trawick International. Other cheap visitors health insurance options include INF Standard X and Safe Travels USA.
$74 per month
Age: 60 years | Plan: $25,000 | Deductible: $0
- Cheapest visitor health insurance for green card holders visiting USA.
- Policy maximum limits ranges from $25,000 to $175,000.
- Deductible option $0.
- Coverage from 5 days - 364 days.
- Direct billing through First health international.
- Covers acute on set of pre-existing conditions up to 89 years.
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$75 per month
Age: 60 years | Plan: $50,000 | Deductible: $250
- Affordable visitors insurance for healthy Green Card holders without pre-existing condition.
- Policy maximum limits ranges from $50,000 to $150,000.
- Deductible options $0 to $5,000.
- Coverage from 30 days - 364 days.
- Great savings with United Healthcare PPO network
- Does not cover pre-existing conditions.
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View INF Standard X insurance brochures in different age groups
$143 per month
Age: 60 years | Plan: $50,000 | Deductible: $250
- Ideal for Green Card holders seeking budget-friendly protection.
- Policy maximum limits ranges from $50,000 to $1,000,000.
- Deductible options $0 to $5,000.
- Coverage from 5 days - 364 days.
- Direct billing through First health international.
- Unexpected Recurrence of a Pre-Existing Condition up to 70 years.
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Which is the best travel medical insurance for Green Card holders in the USA?
The best travel medical insurance for Green Card holders is Safe Travels USA Comprehensive. Other top plans include Patriot America Plus and SafeVista Protect.
Patriot America Plus Insurance IMG
- Best suited for Green Card holders visiting the USA who want strong comprehensive coverage for unexpected medical needs.
- Covers acute onset of pre-existing conditions under age 70.
- Covers emergency evacuation up to $1,000,000.
- Urgent care is available with a copay of up to $25.
- Direct billing through the UnitedHealthcare PPO and First Health PPO networks within the U.S.
- Offers optional coverage for adventure sports and recreational activities.
Policy Maximum?
$50,000 - $1,000,000
Period of Coverage?
5 days to 364 days
Safe Travels USA Comprehensive Insurance Trawick International
- A good option for Green Card holders needing coverage for new illnesses and acute onset of pre-existing conditions.
- Covers acute onset of pre-existing conditions up to 89 years.
- Covers emergency evacuation up to $1,000,000.
- Urgent care is available with a copay of up to $30 per incident.
- Direct billing through First Health International PPO network.
- Provides cardiac and stroke coverage of up to $25,000 for ages 69 and below, and $15,000 for ages 70 and above.
Policy Maximum?
$50,000 - $1,000,000
Period of Coverage?
5 days to 364 days
SafeVista Protect Insurance INF
- Best for Green Card holders wanting all-round comprehensive coverage in the USA.
- Covers acute onset of pre-existing conditions up to 85 years.
- Covers emergency evacuation up to $25,000.
- Urgent care is available with a copay of up to $25.
- Direct billing through UnitedHealthcare PPO Network.
- Includes free worldwide telehealth access through doctor please for remote medical consultations.
Policy Maximum?
$100,000 - $1,000,000
Period of Coverage?
10 days to 364 days
What are the best visitor insurance for Green Card holders staying longer in the USA?
The best visitor insurance for Green Card holders staying long-term in the USA is INF Elite Plus X. Additional choices include INF Elite X and INF Premier X.
$385 3 months
Age: 60 years | Plan: $100,000 |
Deductible: $250
- Affordable choice for Green Card holders seeking long-term fixed-benefit coverage with full pre-existing condition protection.
- Policy maximum limits ranges from $100,000 - $1,000,000.
- Deductible options $75 - $5,000.
- Coverage from 90 days - 364 days.
- Direct billing through United Healthcare network.
- Covers full pre-existing conditions up to 99 years.
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View INF Premier X insurance brochures in different age groups
$1,340 3 months
Age: 60 years | Plan: $150,000 |
Deductible: $250
- Comprehensive plan tailored for Green Card holders with multiple or ongoing health issues needing consistent coverage.
- Policy maximum limits ranges from $150,000 - $1,000,000.
- Deductible options $100 to $5,000.
- Coverage from 90 days - 364 days.
- Direct billing through United Healthcare network.
- Covers full pre-existing conditions up to 99 years.
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View INF Elite X insurance brochures in different age groups
$1,243 3 months
Age: 60 years | Plan: $150,000 |
Deductible: $250
- Top INF insurance for Green Card holders, offering the broadest benefits including extensive pre-existing condition coverage.
- Policy maximum limits ranges from $150,000 - $250,000.
- Deductible options $500 to $5,000.
- Coverage from 90 days - 364 days.
- Direct billing through First health international.
- Covers full pre-existing conditions up to 99 years.
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View INF Elite Plus X insurance brochures in different age groups
Best Green Card Holders health insurance reviews
Health insurance for Green card holders cost
Medical insurance cost for Green card holders varies based on several factors such as the age, medical maximum coverage, deductible for the plan, and the coverage for pre-existing conditions. There are cheap Green Card holders health insurance plans starting at $38 per month.
Cost of over 65 year Green Card holder health insurance
Approximate cost of Green Card holders health insurance is for a 65-year-old parent or seniors for a duration of 1 month.
Source: American Visitor Insurance®
🩺 Are senior Green Card Holders eligible for Medicare?
Green Card Holders (lawful permanent residents) can qualify for Medicare if they meet certain requirements related to age, residency, and work history.
To be eligible for Medicare, Green Card Holders must meet the following conditions:
- Age: Be 65 years or older, or meet specific disability criteria if under 65 (such as receiving Social Security Disability Insurance (SSDI) for 24 months, or having end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS)).
- Residency: Have lived in the U.S. as a legal permanent resident for at least 5 consecutive years.
- Work History: Have worked and paid Medicare taxes for at least 10 years (40 quarters) through employment in the U.S., or be married to someone who has.
If you haven't paid Medicare taxes for 10 years and don't qualify for premium-free Part A, you'll need to buy Part A and also pay premiums for both Part A and Part B. For 2025, if you've worked less than 30 quarters, the Part A premium is approximately $518. If you've worked 30-39 quarters, the premium is about $285. Part B, which covers outpatient care and preventive services, will have a standard monthly premium of about $185 in 2025.
Your Initial Enrollment Period lasts for 7 months which starts 3 months before your 65th birthday month, then includes the month of your 65th birthday and finally ends 3 months after your birthday month. If you miss your Initial Enrollment Period, you can sign up during the General Enrollment Period, which runs from January 1 to March 31 each year. You may face a late enrollment penalty for Part B (and sometimes Part A) if you delay enrollment without having other creditable coverage (such as employer insurance). You may qualify for a Special Enrollment Period if you delayed enrolling in Medicare due to having other creditable coverage (e.g., through an employer or union).
How much does health insurance for Green Card holders cost?
The cost of medical insurance for Green Card holders can vary based on factors such as age, maximum coverage limits, deductible amounts, and coverage for pre-existing conditions. Typically, health insurance premiums for Green Card holders range from $44 to $353 per month. Whether you are a new permanent resident or have held your Green Card for years, it’s essential to compare different health insurance plans to find one that provides comprehensive coverage, affordable rates, and access to quality healthcare services.
For example, here we are showing the average health insurance cost for Green Card holders per month.
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Steps to buy insurance for Green Card Holders
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Find Green Card holders health insurance plans
Complete the Green card holder health insurance quote form with relevant details.
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Compare Green Card holders medical insurance cost
Compare price and benefits of the Green card holder insurance options to find what fits your needs best.
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Buy the best us green card health insurance for your needs
Buy the plan that best fits your needs and budget using a credit card and completing the online application.
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Review the policy documents and save them for future use
Review the US Green Card medical insurance policy documents received by email for coverage details and contact numbers.
Factors to buy Best US health insurance for Green card holders
Age of the Green card holder
The cost of US health insurance is directly proportional to the age of the Green card holder. The older the Green card holder and greater will be the cost of the US health insurance.
Types of US medical insurance for Green Card Holders
Comprehensive health insurance which provide exhaustive coverage are more expensive than fixed benefit medical insurance.
Medical maximum coverage and deductible options
The price of medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.
Duration of US health insurance for Green card holder
The longer the duration of medical insurance required, the higher will be the cost.
What Is the Best Travel Insurance for Green Card Holders Traveling from South Korea to Guam?
Hello,
My children and I will be staying in Guam for six months. We are currently living in Korea, and we will depart from Korea to Guam and
return to Korea afterward. We hold the U.S. Green Cards and Our nationality are South Korean.
Could you recommend an insurance plan that is appropriate for us?
Sincerely,
Lee
Dear Lee,
Thank you for contacting us for your insurance needs. The Patriot insurance plan offered by IMG is specifically designed for short term visitors outside the USA and is a hugely popular choice among tourists. Immediately after purchase, you will receive a confirmation email containing links to ID cards and a "visa letter". This plan cannot be purchased in MD or NY.
Get complete information about Patriot International Lite insurance.
Feel free to call or email us with any questions or comments you may have.
Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910
Hi,
Thank you for your email.
I am unsure if I’m actually eligible for coverage under this insurance. Does this insurance cover me during my 6-month stay in Guam?
I am a U.S. permanent resident currently living in South Korea. And I do not have any other primary plan for staying in Guam. It says Coverage Type Secondary (Excess)..what does that imply?
Thanks,
Lee
Dear Lee,
You are perfectly eligible and no other primary plan is needed.
The "secondary" term refers to situations where another party might cover costs in case of accident and fault, This plan will pick up anything that would not be covered. The plan acts as your primary plan in case on sickness and injury.
Sincerely,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910
Best Green card medical insurance
US permanent residents medical insurance
New Green Card holders are no longer mandated to have health insurance as earlier mandated by Obamacare. However, being uninsured in the US is very risky given the high cost of healthcare, and till Green card holders become eligible for Medicare or other domestic US health insurance, they can buy travel health insurance that is offered on American Visitor Insurance.
In this interim period till they get domestic health insurance coverage, it is important to buy proper Greencard holders medical insurance, in particular, medical insurance for Green card holders over 65. The medical insurance for Green card holders in USA listed here are very popular health insurance for permanent residents.
Another group of Green card holders for whom our short term visitor insurance work well are those who live outside the US for long period of time. These US permanent residents can buy either the Global medical plans which provide coverage around the globe or our short term visitor medical insurance plans which can work as temporary health insurance for permanent residents.
Yet another group of interested customers are those who have applied for the US Green card and are waiting for the final approval. Again, since they are not yet eligible for domestic US health insurance, it is very important to have good health insurance while waiting for Green card approval. This group of Green card applicants can also buy our US visitor health insurance plans for their health insurance while waiting for Green card.
Green card medical insurance - FAQ's
Yes. INF insurances provides coverage for many Green card holders, especially those who are above age 65. INF insurance plans also offer ancillary benefits such as dental and telemedicine which are usually separate policies under domestic US health insurance.
Following are the list of US travel insurance plans:
Patriot America Plus and Patriot Platinum America plans are based on the primary residence country that the member lists on the application. The Green Card holders can buy Patriot America Plus insurance for coverage in the US, as long as their primary residence is outside the US. There is no set amount of time they have to purchase.
However, if they establish a permanent residence in the US, they are not eligible. So if they have a home (purchased or renting) here in the US, they can’t get our coverage. Provided they are eligible, if/when they submit a claim for treatment in the US, we will ask for their proof of residency in another country (renters agreement, bills to that address, etc) Just something showing that they live anywhere else.
Green Card holders can enroll in INF plans initially for up to 1 year at a time. They can then renew their policy. There is no "term limit" for INF plans.
To qualify for Medicare, you must have worked in the US for 40 quarters (10 years) or have a Green card for at least 5 years.
They must go through special membership approval for INF Elite / Premier / Standard / Traveler USA for Greencard holders.Green Card holders can buy INF plans as long as they have a residence outside the US.
Yes, they can buy INF travel insurance.
Yes, Green card holders can get the medical insurance that we offer if they have a permanent address outside the US. Green card holders can get medical insurance quotes and buy the insurance on our website. The short term medical insurance will cover unanticipated medical conditions, but will not cover preventive care and regular treatment for pre-existing conditions. Getting a medical insurance quote is easy by providing the age of the Green card holder and the dates that they need the insurance coverage. We display the different medical insurance for Green card holders and you can compare the different plans based on price as well as the coverage benefits. After choosing the best Green card holder insurance for your needs, you can complete the application online and buy it using a credit card. The policy will be emailed immediately after completing the transaction.
The Affordable Care Act (Obamacare) had made it mandatory for all US residents to have health insurance, however the compulsory insurance requirement has been waived and it is now no longer mandatory to have health insurance. However, given the very high cost of US healthcare, where a regular Doctor’s consultation can take hundreds of Dollars, and Hospitalization overnight can involve thousands, or even tens of thousands of Dollars, it is very risky to be living in the US without any health insurance.
Green card holders can buy the health insurance on American Visitor Insurance if they do not have group health insurance from any employer, or if they are not yet eligible for US Medicare or for other domestic health insurance. The medical insurance for Green card holders that we offer will however not cover preventive care and has limited coverage for pre-existing medical conditions.
Green card holders may be eligible for Medicaid after meeting certain criteria, such as income and residency requirements, set by each state. Medicare eligibility typically requires being a Green card holder for at least five years and meeting other qualifications (age 65 or older, or having certain disabilities). If there are new Green card holders who are not eligible for domestic health insurance or Medicare, they can buy the Visitors Insurance that we offer during this interim period.
Green card holders who are employed in the United States are generally eligible to participate in employer-sponsored health insurance plans, similar to U.S. citizens. It's advisable to check with the employer to understand the available options and any eligibility requirements.
There is no specific requirement for Green card holders to have medical insurance under U.S. immigration law. However, it is highly recommended to have health insurance coverage to protect against unexpected medical expenses given the very expensive cost of US healthcare.
New immigrants or recent Green card holders may have a waiting period before becoming eligible for government programs or employer-sponsored health insurance. It is important to explore alternative options during this waiting period, such as short-term health insurance plans like those offered on American Visitor Insurance.
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Impact of Obamacare for US Green card holders (US resident aliens)
Green card holders qualify for insurance under the Affordable Care Act (Obama Care program) through the insurance market place.
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Best Health Insurance for Parents on Green Card
Health insurance for permanent residents
The US Green Card, also known as Permanent Resident Card is one of the most important document for immigrants in America. This document was formerly known as the Alien Registration Card. As a Green card holder, the immigrant is authorized to live and work in America on a permanent basis with a Green Card permit.
The Green Permit is a process of becoming a permanent resident of United States and a proof of lawful permanent resident (LPR). The Green Card Holders will be officially granted rights to utilize immigration benefits in America.
Green card holders and new immigrants cannot immediately buy domestic US insurance. Older parents who are recent immigrants and Green card holders more than 65 years are also not immediately eligible for Medicare. Medicare benefits are available for US residents on reaching 65 years if they have paid US taxes for 40 quarters.
New senior citizen Green card holders are not eligible for Medicare for at least five years of continuous living in the US. At American Visitor insurance, we have several options of health insurance for seniors with Green card and for new immigrants till they are eligible for Medicare or other domestic US health insurance.
However given the very high cost of US healthcare, it is very important for new immigrants to have good medical insurance for Green card holders in USA.
New Green card holders cannot buy domestic US healthcare plans, the temporary health insurance that we offer is ideal during this period. We often also have Green card holders who spend a lot of time overseas and want medical insurance for Green card holders in USA only for the limited time that they are in the United States. Again in this situation too, our short term health insurance work well as Greencard Holders Medical Insurance.
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Pre-existing conditions health insurance for older Green card holders
Pre-existing condition is a medical ailment that existed before the start of the US health insurance cover. Acute onset of a pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.
Green Card holders with pre-existing conditions always find it hard to find US health insurance. There are various conditions that are considered as pre- existing diseases but some of common ailments in this category are Asthma, heart related issues, high blood pressure, kidney disease, cancer, diabetes etc. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. US permanent residents can buy a short term health insurance policy without a medical check, however most insurance providers only provide coverage for acute onset of pre-existing conditions. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. If any of the applicants has one of these conditions it's very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.
Some plans that cover pre-existing conditions for Green Card holders include Patriot America Plus, Safe Travels USA Comprehensive, Safe Travels Elite, Safe Travels USA, INF Elite and INf Premier.
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Travel health insurance for elderly immigrants in the USA
At American Visitor Insurance, we offer affordable travel health insurance for senior immigrants in the USA. Protect immigrant parents and elderly Green Card seniors over 60 years with coverage for medical emergencies, hospitalization, and pre-existing conditions. Find the best senior immigrant travel medical insurance for pre-existing conditions, offer flexible policy durations that fits your budget and health care needs.
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Green Card Visa holder insurance resources
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