Health insurance for seniors with green card
Medical Insurance for Seniors with Greencard
American Immigrant Health Insurance plans are longer term plans catered to the specific health needs of new immigrants (Green Card holders sponsored by family members) and potential immigrants (H4 & F2 visa holders). US Immigrant medical insurance health for seniors with greencard plans cover medical expenses resulting from sudden illness or injuries during their period of coverage. Some plans also cover pre-existing conditions after a certain coverage period. Immigrant insurance for new immigrants in the USA can be compared using the below application and purchased online.
Insurance for Immigrants – Why buy?
Immigrants in the foreign countries are not immediately eligible for domestic health insurance in the new country of residence. For example, immigrants to the USA are not eligible immediately for domestic medical insurance health for seniors with green card plans or for Medicare. In these circumstances, they can purchase Health Insurance to safeguard oneself from high medical bills. Health Insurance for immigrants covers the insured for medical expenses due to emergency treatment, hospitalization, maternity, prescription drugs, doctor’s visit. The health care requirements of new immigrants are covered under this plan.
US Immigrant Health Insurance – Eligibility
Non-US citizens in the USA who are staying as immigrants or those who are in the US with H1B & H4 visa are eligible to purchase immigrant insurance. There are prominent insurers who offer immigrant insurance at affordable price. Immigrant medical insurance health for seniors with green card plan can be purchased for as short as 1 month to as long as 5 years. Most of the immigrant insurance plans are renewable and are available as monthly, quarterly, semi-annually or annual increments.
There are some immigrant insurance plans that require immigrants to be enrolled within 24 months of arrival in the United States. It takes 5 years for new immigrants to become eligible for US citizenship and to avail Medicare or Health care provided by the US Govt. New immigrant insurance provides coverage for senior citizens above the age of 65 and serves as an interim bridge insurance. New immigrant insurance plan covers senior citizens for sudden illness/injury till they are eligible for the US Medicare insurance.
Eligibility Criteria for Green Card Holders and Immigrants buying Insurance
The Immigrant medical insurance health for seniors with green card coverage will vary according to the specific circumstances of new immigrants in America. Here are some insurance eligibility criteria for Green Card Holders in the USA.
Frequently traveling Green Card Holders (between the US and home country): There are a lot of Green Card Holders in the USA who travel to their home country or in other words do not permanently stay in America. These Green Card Holders are advised to buy visitor’s health insurance as this will be the most cost effective option. The limitations of visitor medical insurance plans are that it does not provide medical insurance health for seniors with green card coverage for preventative care (health check ups, vaccinations …) or for pre existing medical conditions.
Green Card Holders permanently living in the USA: Green Card Holders who are living permanently in the USA will be eligible for domestic health insurance plans of America. Eligibility of US domestic health insurance plans depends on the duration of ones stay in the USA. Those who are below 65 years 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 visitor insurance plans till they become eligible for domestic plans is a good option. Green Card Holders who are above 65 years and not eligible for domestic health insurance can select Global Citizen plan offered by HTH Worldwide. Global Citizen insurance offers excellent coverage including pre existing medical cover.
Recent Green Card Holders or New Immigrants: Parents or other family members who have recently arrived in the USA are popularly known as new immigrants. Along with new immigrants and visitors, those who have applied for Green Card and awaiting to receive can buy immigrant medical insurance health for seniors with green card or visitors health insurance depending on the duration of stay in the US till they are eligible for US domestic health insurance plans .
Applied for Green Card and waiting: There are other category of new immigrants or visitors who have applied for Green Card or their children/grand children applied on behalf of them and yet to receive. These type of new immigrants or visitors can buy visitor medical insurance coverage which will be suitable for them.
* Medical Insurance for Seniors with Greencard