Best health insurance for H1B and H4 Visa holders

Compare and buy best health insurance for H1B Visa holders

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H1B and H4 Visa insurance

01.  Is visitor Visa health insurance USA required?

Visitor Visa health insurance is a necessity while in the US since US health care is very expensive. Not having tourist Visa health insurance in usa can be financially catastrophic. Having visitor Visa health insurance for USA visitors can be a huge relief which comes in handy during any major unexpected sickness or injury while in the United States. Tourists on the visitor Visa are urged to buy the best health insurance for visitors to USA to have a safe stay in the country.

02.  Is health insurance mandatory for H1B Visa holders?

Yes, health insurance is required for H1B Visa holders given the very high cost of US healthcare. U.S. authorities wants to ensure that Visa holders have access to necessary healthcare while working in the United States and do not become a burden on the US healthcare system.

03.  What type of health insurance should I get for my H1B visa?

H1B Visa holders can choose from different types of health insurance plans, such as individual visitor medical insurance plans or employer-sponsored health insurance plans. Those H1B Visa holders who do not get any health insurance from their employer, can compare and buy H1B Visa health insurance on American Visitor Insurance. H1B Visa holders should select a comprehensive coverage health insurance plan to be safe in case of a medical emergency.

H1B Visa health insurance

Health insurance for H1B Visa holders

H1B Visa is a temporary work Visa for non immigrants in US offered by US employers in specialty occupations. H4 Visa is given to dependents of the H1 Visa holder. The dependent could be a spouse or minor children.

Health insurance had been made mandatory in the US according to the Affordable Care Act (ACA) commonly referred to as Obamacare. The Trump administration has however repealed the requirement making it compulsory to have health insurance. Obamacare is however not Government subsidized health care like in some other countries.

USA H1B Visa insurance

Health Insurance is however an essential requirement for anyone living in the United States given the high cost of healthcare for H1B visitors in the US. Not having proper healthcare coverage while on the H1B Visa can have huge adverse implications. People have to pay the entire medical expense out of their pocket which can easily be in hundreds of thousands of dollars or more.

President Biden's immigration policy friendly to legal immigrants

Joe Biden was sworn in as 46th president of the USA on January 20th, 2021. The incoming president has proposed a lot of changes to policies that were introduced by the previous Donald Trump administration. There is good news for immigrants who are in the USA Green Card queue. President Joe Biden has proposed changes to the immigration policy that will ease the Green Card process and time to citizenship by applicants. Biden has also proposed to reverse the revocation of work authorization for spouses of H1-B Visa holders. In 2020 the green card backlog of employment-based immigration crossed 1.2 million mark, {Data from United States Citizenship and Immigration Services (USCIS)}. The proposed US Immigration Bill will bring a lot of changes to the existing format. The changes are also friendly to international students and foreign students who have received their PhD in Science, Technology, Engineering or Mathematics (STEM) will be exempt from Visa caps.

Find the best US H1B Visa medical insurance

H1B Visa holders are facing a very stressful situation in the United States. In addition to the legal changes, the high costs of healthcare especially in light of the Covid pandemic, makes it of paramount importance to have best H1B Visa health insurance. This will mitigate the financial risks while in USA. At American Visitor Insurance, H1B Visa holders can find the ideal H1b Visa medical insurance plan by using our H1B Visa medical insurance comparison tool. H1B Visa holders should provide relevant information such as their age, the duration of insurance coverage and other relevant details like the medical maximum coverage and the deductible. The H1 B Visa insurance comparison utility will display the available health insurance plans based on the Visa holder’s specific requirements. The H1B Visa holder can then review these plans based on price and other coverage benefits to select the best H1B Visa insurance plan that suits their budget and needs.

What does H1B and H4 Visa insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

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Doctor visit

Insures Doctor visits for sudden injury or sickness.

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Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

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Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.
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Medical evacuation

Medical evacuation expenses to nearest facility included.
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Repat of remains

Repatriation of remains to home country included.

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Testimonials - From Our Customers

"I had a no-problem trip but Seven corners was easy to deal with in the securing of the travel insurance and dealing with a few issues prior to departure."

Karen

"I have always gotten a quick response with a live person. I placed a claim, we will see it their payment to me is as good as their customer service is."

Margaret

"Good policy options and pricing. Like to purchase high coverage for medical without covering full cost of trips - like the options Seven Corners provides."

Connie

Best Seniors travel insurance with Pre-existing Conditions Coverage

Pre-existing condition is a medical ailment that existed before the travel insurance became effective. Another term that we come across more frequently in insurance policies is "Acute onset of pre-existing condition" .Acute onset of pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. Some of the common conditions that are considered as pre-existing conditions are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however chronic illnesses like cancer, parkinson's disease, Amnesia...which cannot be cured are not covered by the travel health insurance policies. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most of the Insurance providers consider the age of the individual as a factor for providing this benefit. Most of the policies do not provide coverage for pre-existing conditions at the age of 70 and more.

Some US insurance providers offer senior citizen travel insurance for pre-existing conditions above the age of 80 with fixed or limited coverage. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is 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.

INF is one of the few companies which offers travel insurance plans for travelers with flexible coverage for pre-existing ailments. They define pre-existing conditions differently and do not exclude chronic illness. First of all, if the person has had no flare up or change in their condition, even if they take medication for it (as long as there has been no change in medication) for 12 months prior to the start of the plan, then the plan does not consider it as a pre-existing condition. If there has been a flare up or change in the condition, then it is covered but at a lower maximum than the overall maximum of the plan and may be subject to a higher deductible.

They have two plans which have this coverage: INF Premier and INF Elite. The Premier plan is a fixed plan which has limitations on the coverage of each medical expense. The Elite plan is an 80/20 comprehensive plan (the plan pays 80% and the insured 20% after the deductible). INF offers the best travel insurance for pre-existing medical conditions but the difference is reflected in the cost, particularly in the Elite plan. Note that regularly needed maintenance medications or treatments are still not covered with these plans, only if there is a new problem will there be coverage. However, the problem does not need to be life-threatening or acute. Travelers with pre-existing conditions should weigh these options to reduce their risk of high medical costs should they suffer from one of their conditions while traveling. Note that the plans need to be purchased for at least 90 days, so these are more suitable for longer term stays in US, Canada, and/or Mexico. Also, the plans may be purchased by green card holders as long as they have a non-US residence address. The Elite plan has several variations: INF Elite, Elite Plus and INF Elite 90.

To compare the best travel insurance for seniors visiting USA for flexible pre-existing conditions plans offered by INF, use this link: INF Premier & INF Elite best travel insurance for pre-existing conditions.

Can non citizens get Medicare?

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.
H1B h4 Visa insurance US employers with more than 50 full time employees provide health care coverage. If there are less than 50 full time employees and if your employer does not provide health care coverage, you need to purchase a qualified health insurance plan to receive coverage for medical treatment. While employers provide some cover for H1B Visa holders, they do not usually provide coverage for H4 Visa holders.

At American visitor insurance we offer a number of short term visitor insurance plans which however do not satisfy Obamacare (ACA) requirements. These plans work well even while you are waiting for your employer's plan or during the time period before you can purchase a domestic Obamacare US plan.

HEALTHCARE COST IN USA

H1B Visa health insurance - Faq's

01. Can I add my dependents to my H1B health insurance?

If you are buying H1B Visa insurance on American Visitor Insurance, then you can add your dependents, such as your spouse and children, on the H1B Visa health insurance plan.

02. What happens if I do not have health insurance for my H1B visa?

If you do not have proper health insurance, you may face a penalty and the H1B Visa status can be jeopardized. It is therefore important to have the necessary health insurance at all times in place to maintain your Visa status. H1B Visa holders can by H1B Visa insurance on American Visitor Insurance that is offered by reputable US insurance providers.

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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. Health insurance coverage for H1-visa in the USA includes medical expenses such as doctor's visits, hospital fees and medicines/prescription drugs. We work with all the major insurers who offer health insurance for H1B Visa employees, 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 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.

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 is the medical insurance costs for H1B Visa holder.
  • 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

Resourceful Health Insurance for H1B/H4 Visa Holders information

H1B/H4 Visa holder insurance resources

International travel insurance resources for H1B/H4 Visa Holders while in the US.

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Factors for H1B/H4 Visa holder insurance

Important factors to consider while buying H1B/H4 Visa medical insurance.

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Types of H1B/H4 Visa insurance options

Different US H1B/H4 Visa insurance, fixed benefits vs comprehensive coverage.

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H1B/H4 Visa insurance claims procedure

H1B/H4 Visa holder insurance claims process for medical care in hospital.

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Find the best immigrant insurance for H4 Visa holders

Visitor Visa health insurance USA

Resourceful information for H1 Visa Medical Insurance

H1B Visa FAQ

Commonly asked questions about Visa health insurance.

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H1B Visa Blog

Read insurance blogs related to H1B visa holders in USA

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H1B Visa Forum

Customer queries about insurance plans for H1B visa holders.

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