Visitor medical insurance is short-term health insurance that provides medical coverage for illness and injury during travel or stay abroad. Lack of coverage in a foreign land would leave an immigrant and traveler in a vulnerable position in the event of a medical emergency. The results of such could be physically, financially, and emotionally agonizing.
Finding the right health insurance for green card holders and their parents can be tricky, since the choices would vary, depending on their unique situation.
A new immigrant to the United States of America or green card holder may have be in any of the following situation:
The green card holder frequently shuttle between home country and the united states: A number of parents, who already have the green card, but do not stay in the USA permanently. They may be visiting the USA every six months or one year. In that case, you would need to buy either an immigrant plan or a visitor’s plan that satisfies the eligibility criteria for green card holders shuttling between the home country and the USA. For green card holders and permanent residents who spend over 330 days outside of the US, the Affordable Care Act requirements may not apply.
- The green card holder, now permanently live in America: If you are a green card holder and living in the US most of the year, you are required to have health insurance under the Affordable Care Act. If you have missed the ObamaCare deadline, are in between jobs, a dependent who is no longer covered under parent’s insurance, a recent graduate or waiting on health benefits to begin, you can still insure yourself with short term health insurance plans during that brief period. Green card holders who fall under one of the following categories can insure themselves through the ways mentioned;
- Below 65 years of Age: If you are below 65 years of age, have green card and live in the USA permanently, you can consider domestic insurances like Blue Cross, Blue shield etc. For green card holders who have missed the healthcare enrollment period (November 15 to February 15 every year) or are waiting on their health benefits to begin can insure themselves with temporary health insurance;
- Above 65 years of Age: If you are a green card holder, above 65years of age , you may be eligible for federal MediCare, or state sponsored MediCaid or MediCal or any other US state federal supported health program. Note: MediCare is a federal health program and has certain eligibility requirements. Follow this article to see which green card holders qualify for Medicare;
- New Immigrant Just got the green card and arrived America: If you have recently got the green card, and will be in coming to the USA soon, you can consider a plan for Short Term Health Insurance plan that provides temporary coverage while you travel and settle down in the US. Some of the choices include: Inbound Immigrant, Liaison Majestic, Patriot America, HCC STM etc. To get quotes for temporary short term insurance visit immigrants insurance;
- In the process of getting green card: If you are in the USA on a visitor’s visa and your children or family has applied for a family sponsored green card, you are considered a visitor until your green card gets processed. During this time, you would be eligible for any visitors health insurance plan like Liaison International, Atlas America or Inbound USA. Once you get your Green Card approval, you should shift to a plan that offers coverage for green card holders. In whichever situation you are, traveling with medical insurance is a smart thing to do if you are moving or just visiting the United States. The health care system in the U.S., and anywhere outside of your home country, will work drastically different than what you are used to. Additionally, healthcare in the US is very costly, and the bill for any procedure, no matter how small or large, would add up very quickly;
- Visitors who are traveling to USA: Must consider buying a suitable visitor medical insurance policy to protect against extremely high medical expenses in America due to any medical emergencies.
- Be a well-informed: Traveler and protect yourself and your family with insurance. It may surprise you how fast, easy, and affordable travel medical insurance can be;
- Immigration Services offers best medical insurances: our costumers for the first period in USA, our medical insurances are provided by Atlas America Insurance, it has First Health PPO network. It has got a huge number of providers in the network (475,000 doctors, and 4,500 hospitals across the US).