Health insurace for H1B Visa, best health insurance for H1B visa holders and H4 Visa holders, h1b visa insurance, Obamacare for h1b visa holders

Importance of h1b visa insurance coverage

Given that health care costs in the USA are astronomical, a H Visa insurance plan is a requirement while in USA. American Visitor Insurance allows a H visa holder to buy short-term medical insurance for the duration of their stay in the USA. This short-term medical insurance plan will cover them for injury sustained in an accident and for any new sickness. Coverage includes medical expenses such as doctor's visits, hospital fees and medicines/prescription drugs. We work with all the major insurers who offer medical insurance for overseas visitors, so that you can select the most appropriate plan for your needs from amongst all available plans.

We try to identify the best insurance for H1B visa holders. All health insurance for H1B visa holders offered here are underwritten by reputed insurers with A.M. ratings of A+. On purchasing the insurance, you will be provided with the relevant medical insurance details, including an ID card, and a toll free number to the plan administrator so that you can contact someone, at any time of day or night in case of a medical emergency. You may also use the toll free number for guidance on how to find a hospital or doctor, file a claim, or verify a benefit.

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The monthly premium or cost of the H1B or H4 Visa insurance plan depends on the following variables:

The age of traveler: The older the H visa holder, the more expensive the monthly plan cost.
The maximum medical coverage selected: The options range from $25,000, up to $1,000,000, the higher the coverage amount, the higher the premium.
The selected deductible: A 'deductible' is the amount of the medical costs the customer pays before the insurance plan provides any coverage. Most plans provide several options ranging form $0 to $2500 (travelers over age 60 years may not have the $0 deductible option). The lower the deductible, the higher the premium.
The co-insurance on the plan: 'Co-insurance' is the percentage on medical expenses borne by the customer AFTER the deductible is paid off. This is relevant to comprehensive plans and is typically the 80/20 or 90/10.
The insurance underwriter: There are different underwriters such as AIG, Lloyds, Nationwide, etc. Premium will correspondingly vary for different underwriter.
Type of plan: There are two types of plans available: Fixed vs comprehensive visitor insurance coverage

Fixed benefit plans

Affordable but Limited Coverage

Fixed Benefits plans are have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.Scheduled Benefits Example: A plan with a $50,000 maximum limit may have a maximum of $3000 for surgery, and a maximum of $500 for diagnostic services (X-rays, scans). These fixed limits for different situations are detailed in the plan brochure. How do fixed benefits plans work? The customer is required to pay an initial deductible for each injury or sickness and the plan pays for the rest of the covered expenses. Scheduled Benefits Plans Highlights.

These plans have a list of medical benefits, over and above which the plan will not pay. While these plans tend to have lower premiums, the out of pocket costs (the cost borne by the customer that are over and above the fixed benefit) may be quite high.

Comprehensive Plans

Expensive but Exhaustive coverage

These plans do not have benefit limits based on the type of medical expense. Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance) How do comprehensive benefits plans work? Typically for all covered medical expenses during the plan period the insured pays the deductible plus 20% of the first $5,000; and then the plan pays 100% of the eligible medical expenses upto the plan maximun. The details for each plan such as the plan maximum, medical expense eligibility etc. are listed in the plan brochure. Comprehensive Coverage Plans Highlights

Relatively higher premiums
Offer better benefits than the Scheduled Benefits Plans.
Can reduce premium cost by increasing the deductible.
Amounts are available at $0, $100, $250, $500, $1000, and $2,500 with some plans offering even higher deductible options.

These plans are more flexible than fixed plans and do not have fixed ceilings for various medical benefits. Because they provide more extensive coverage they also cost more.