Greencard holders medical insurance
Medical insurance for Green Card parents
The former Trump administration had proposed a rule which expected prospective new US Green Card senior citizen parents to provide proof of having good US immigrant health insurance coverage for elderly immigrant parents in the US. This proclamation however has come under legal scrutiny with different cases filed against this Trump administration initiative.
This proposed rule will mostly impact Green Card parents of current US citizens who are and are applying for US Green Cards. According to this new rule visas to enter the US can be denied if one is not able to provide proof of proper US immigrant health insurance for Green Card Holders senior citizen parents.
While details of the new immigrant health insurance for Green Card parents requirements are still to be announced, the best US Green Card holder insurance plans that we offer work well as short term health insurance which prospective Green Card senior citizen parents can use till they are eligible for domestic US insurance plans.
Health Insurance for Senior Citizen parents who are Green Card Holders
- The Patient Protection and Affordable Care Act (PPACA) also known as Obama Care or Affordable Care Act (ACA), made it mandatory for all US residents to have health insurance. This individual mandate has however since been repealed and it is now not mandatory anymore to have PPACA compliant insurance.
- The ideal medical insurance for parents on Green Card will depend on the insured's age, the length of stay in the US, and your budget for the health insurance for elderly parents on Green Card.
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Green Card Holders Medical Insurance
Medical insurance for Green Card Holders less than 65 years:
In this situation, it might be most appropriate to buy short term Visitor insurance till you understand your domestic insurance option. You can compare and buy Visitor Insurance using our compare tool. If you are under the age of 65 or working in a corporate environment, it is best to get insurance through your employer. Alternatively you can buy the Blue Cross/Blue Shield insurance available in your state.
Health insurance for Green Card Holders over 65 years:
If you are looking for health insurance for non U.S. citizens over 65, unfortunately you are not immediately eligible for the Medicare program benefits for Green Card Holders over 65. This is available to US residents on reaching 65 years if they have paid US taxes for 40 quarters (minimum of 10 years). As a new immigrant, you will not be immediately eligible for Obamacare for Green Card Holders over 65 for at least three years of continuous living in the US. However, we have health insurance for seniors with Green Card, new immigrants over 65 years can buy till they are eligible for Medicare. The most affordable Fixed benefits health insurance for immigrant parents over 65 plan is Safe Travels Elite Insurance.
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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
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 $26 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).
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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Steps to buy US Green Card insurance for parents online
search Step 1
Viewing the available plans for Green Card Holders
Complete the US health insurance quote request form by providing details of the parents and their requirements.
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Comparing the available plans for Green Card Holders
Compare the price and the benefits of the international parent travel insurance options to identify what fits your needs best.
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Complete the purchase online for the suitable plan
Purchase the plan that fits your requirements and budget best by 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 for parents policy documents received by email closely for coverage details and relevant contact numbers.
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.
Yes, it is possible to find affordable medical insurance for Green Card holder in the U.S. American Visitor Insurance offers Green Card Holder health insurance from top rated insurance providers which provide comprehensive health coverage in the US. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, Green Card Holders can find affordable medical insurance to suit their specific budget and requirements. It is recommended that one compares plans both for price as well as benefits to find the most cost-effective Green Card insurance for seniors and parents.
The cost of short term health insurance for Green Card holder depends on the following:
- The age and health of the Green Card Holder (older the Green Card holder, higher the cost)
- The length of coverage that you are buying the insurance
- The medical maximum coverage limit chosen (higher the coverage, higher the cost)
- The deductible and co-insurance of the insurance
- Any add-on benefits (pre-existing conditions coverage etc.. cost more)
Yes, Green Card Holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
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.
At American Visitor Insurance new immigrants and permanent residents can get best health insurance for Green Card Holders. They can find medical insurance to suit their specific budget and requirements. It is recommended to compare the cost and benefits for Green Card Holders health insurance to find the most cost-effective plan espeacially for seniors and parents.
What is the medical insurance for parents with Green Cards?
The best visitors insurance for parents visiting USA is listed here:
- Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 70 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000).
- Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card Holders as long as they reside outside the US.
- Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.
- Diplomat America is available for Non US citizens and Non-US residents while visiting the United States.Available for Green Card Holders.Covers pre-existing condition after 24 months of waiting period.
- The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
Which category of Green Card holder are you?
Immigrant Plans - Long term Plans
Perfect for people planning on immigrating to US but not yet left their home countries.
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Green Card Holders Frequently traveling overseas
Green Card Holders who travel frequently to their home country.
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Recent US Immigrants
New US immigrants who can be parents or family members or Fiancee (K visa) visitors.
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Green Card Holders permanently living in US
Compare Green Card holder insurance plans who may not immediately qualify for US domestic health insurance.
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Applied for Green Card and waiting
Parents who have applied for Green Card and are waiting for approval can buy these insurance plans.
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Health insurance for Green Card parents over 65 years who live outside the US for a long period
Under the Affordable Care Act (ACA) also popularly known as Obamacare, it is mandatory for all US residents (including Green Card Holders) to have health insurance, failing which they will have to pay a fine which increases annually. This mandatory health insurance for elderly parents on Green Card is however waived for those who have lived more than 330 days outside the USA. In this situation, where Green Card Holders usually live outside the US, and are visiting the country, they can buy many of our visitor insurance plans as health insurance for elderly parents on Green Card.
International Medical Group's (IMG's) Patriot America Lite is an option if they have a permanent address outside the US. Alternatively, you can buy the Safe Travels USA Comprehensive or Safe Travels USA Insurance plans offered by Trawick International. The most affordable fixed benefits plan is the Safe Travels Elite which can be renewed for up to 364 days. INF offers health insurance for pre-existing conditions which works well as health insurance for immigrant parents over 65. Green Card Holders can buy INF medical insurance for parents as long as they have a residence outside the US.
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.
Health insurance for Green Card Holders senior citizen parents options
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Renewal of medical insurance for Green Card holder senior citizen parents
Can buy health insurance for elderly Green Card immigrant parents from a few days up to 5 years.
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Health insurance for elderly immigrant parents purchasing options
Available as monthly, quarterly, semi-annually or annual increments.
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Buying health insurance for Green Card Holders senior citizen parents eligibility
Health insurance for elderly immigrant parents available even 24 months after arriving in the US.
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Interim health insurance while waiting for Green Card
Health insurance for Green Card Holders senior citizen parents till they are eligible for domestic US health plans.
Green Card Holders insurance forum
Green Card Holders visiting USA that covers pre-existing conditions
Dear Sir,
We two my wife and myself will be reaching USA with Green Card and will stay in Florida.
Will like to know which is the best health insurance for new immigrants over 65 ?
We both are in fairly good health but must cover pre-existing conditions.
We have no income source in US.
Thanks,
Shakti
Dear Shakti,
There is one fixed option renewable for up to 364 days:
Safe Travels Elite insurance: This plan is designed for Green Card holder who intend to stay on in the USA.
INF insurance offers coverage for pre-existing conditions. The Premier Plan is the only fixed benefit (Scheduled benefits) plan with full pre-existing coverage and the Elite Plan is the only comprehensive visitor medical insurance plan with full pre-existing coverage. INF Premier and INF Elite plans should be purchased for minimum 3 months." Green Card Holders can buy INF medical insurance for parents as long as they have a residence outside the US.
There are comprehensive insurance plans for Green Card Holders from Trawick International:
If you can list a country other than the US as your home country, this comprehensive policy may work for you.
Safe Travels USA or Safe Travels USA Comprehensive
Safe Travels USA: Covers Unexpected recurrence of a pre-existing condition up to $1k for ages up to 89 years.
Similarly, the Safe Travels USA Comprehensive plan covers acute onset of pre-existing medical conditions up to 70 years, this also includes Cardiac conditions. Please see the brochure for details.
There is one comprehensive benefit insurance from IMG:
If you can list a country other than the US as your home country, this comprehensive policy may work for you.
Patriot America Lite or Patriot Platinum
Similarly, the Patriot Platinum plan has some coverage for pre-existing conditions. Please see the brochure for details. This plan has more options available for persons over 70.
Please let us know if we can help you in any further.
Regards,
www.americanvisitorinsurance.com
Customer care
(877) 340 7910
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Travel medial insurance for a senior citizen Green Card Holders.
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