Immigrant Health Insurance- Select The Right Plan
Why Does My Fiance, Spouse or Parent Need Immigrant Health Insurance or Travel Insurance Policy
In this post we discuss why your fiance, spouse or parent may need an immigrant health insurance or travel insurance policy. Later, we discuss selecting an immigrant health insurance plan or travel insurance. Most importantly, one that is right for your fiance, spouse or parent.
The United States health system of doctors and hospitals are mostly private institutions. These institutions charge a fee for service. As a result, fees can be very expensive. Therefore, it can be thousands of dollars depending upon the circumstances.
If you are in the United States and get sick or hurt, you end up with a very significant bill. Subsequently, the bill typically is in the hundreds or thousands of dollars. Even more if you are not under any health insurance.
Furthermore, if you can’t pay the bill, the doctor or hospital typically passed the bill onto a collection agency. That truly affects your credit in the future.
On the contrary, if you have immigrant health insurance or a travel insurance policy, you are covered by the policy that you have.
Which Immigrant Health Insurance or Travel Insurance Policy Do I Need for My Fiancé, Spouse, or Parents?
When it comes to bringing loved ones to the U.S. from another country, there are many things to keep in mind. Firstly, their health and safety are among the most important. Anything, such as unexpected illnesses, injuries, or accidents can occur at any time. Because of this, we highly recommended that you purchase immigrant health insurance or travel insurance. Particularly, not only protect their health, but their finances as well. While you can’t control the unexpected, you can take the necessary precautions to protect yourself. That is why having immigrant health insurance or travel insurance is the safest and smartest way to go.
Shopping for an immigrant health insurance or travel insurance policy to fit your circumstances is overwhelming and confusing. Each and every plan has its own set of positives, negatives, eligibility requirements, restrictions, and levels of coverage. Therefore, I want to help you feel more confident in making informed decisions by comparing different products. Also, keep in mind that the details and prices for each plan will depend on factors like the insured’s age, length of stay, and coverage needed.
Fiancé or Tourist Visa
Why Fiance’s Need temporary Immigrant Health Insurance
For K-1 Fiance(e) Visa holders, their partner’s employer insurance program usually do not accept them before they are married. Consequently, this is the same for K-2 children of K-1 Visa holders.
Once they get married, they qualify for insurance under their new spouse’s employer’s insurance. This is because marriage is a qualifying event for obtaining health insurance. After that, there can be a several week period to sign up.
Typically, they cannot join the following insurance groups until they become a Legal Permanent Resident (LPR):
- Government U.S. Healthcare.gov,
- Medicare, or
- other government insurance
They need to get married and Adjust your Status to become a LPR. Therefore, it takes several months to obtain health insurance through these sources after you get married. Consequently, it takes many months to get permanent insurance.
In the mean time, they can purchase private insurance on their own. One way, in the mean time, to get coverage is to purchase temporary visitor’s insurance.
Why Tourist Visa Need Travel Insurance
For family on a tourist visa, their home country insurance will most likely not cover them in the United States. Therefore, specifically find out if it will or not. If it does not, then travel insurance is the way to go.
Patriot AmericaPlus is a comprehensive coverage plan that, in-network, covers 90% of the first $5,000 and 100% after that. This policy comes at a higher price but provides a higher level of coverage and security as a result.
Liaison Continent A is a more affordable policy that covers 80% of the first $5,000 and 100% thereafter. While this plan is more affordable than Patriot America Plus, it also provides less coverage.
When it comes to selecting the best travel insurance plan, first consider the overall condition of your health. If you tend to be more susceptible to injury or illness, are at an age where your health has grown more fragile, or already have medical conditions, you will want to spend the extra money on a plan that will provide you with an adequate level of coverage and peace of mind.
Spouse or Parent with Green Card
Why Spouse or Parent with Green Card Need temporary Immigrant Health Insurance
As a permanent resident or U.S. citizen, you are required by law to have some sort of medical coverage, and you are eligible for domestic health insurance. However, there is typically a specific waiting period before you enroll in domestic insurance.
IR-1 and Cr-1 Spousal Visa holders have a much shorter time to get insurance.
Because IR-1/CR-1’s fall into several “Qualifying Events”, they qualify to get insurance as soon as they enter the country. If they qualify, they are eligible to get insurance through the following sources:
- Partner’s employer insurance,
- Government U.S. Healthcare.gov,
- Medicare, or
- other government insurance.
Nevertheless, it takes a some time to sign up and have the insurance effective. You need to get your social security card. It takes time to process the social security application. Consequently, it can take a few weeks to a couple of months to get insurance
In the mean time, one way to get coverage is to purchase immigrant health insurance for a short time.
In addition, knowing which insurance policy to purchase is challenging depending on their individual visa status.
Inbound Immigrant provides supplemental coverage for Green Cards holders 69 years and below. This insurance covers the visitors who are traveling to USA and provide travel and medical coverage while in the USA.
Inbound Immigrant insurance is a basic travel medical insurance plan that has fixed pre-defined limit for each medical service. Also, it is good for limited budget long term immigrants. See the benefit that table shows how much the for the insurance pays for a given covered medical service. You visit any doctor or hospital of your choice.
The policy is renewable up to 1,820 days (5 continuous and consecutive 364-day policy periods). However, the policy is not available for the residents of Colorado (CO), Maryland (MD), New York (NY), South Dakota (SD) & Washington (WA).
Green Cover is best suitable for Green Card holders above the age of 60. This is due to the higher level of coverage it provides and the long duration of coverage available.
It is a comprehensive health insurance for permanent residents, green card holders, or non US citizens, waiting for Medicare or not currently eligible for Medicare. It is not available to US citizen. The Green cover plan covers for 80% for first $10,000 and 100% thereafter up to the policy maximum. This temporary plan can be applied online and is similar to Medicare policy that comes in two parts. Part A includes Hospitalization Benefits and Part B includes Physician and Surgeon Benefits, Inpatient and Outpatient Care, Supplies, Therapy and Ambulance Services. Green Cover also includes International Travel coverage.
The policy is renewable and you can cancel at any time. However, the policy is also not available for the residents of Colorado (CO), Maryland (MD), New York (NY), South Dakota (SD) & Washington (WA).
It is important to note that immigrant health insurance and travel medical insurance is short term in nature. Particularly, it is and used to cover any new and unexpected mishaps or conditions that arise after purchasing a policy. Eligibility and pricing for all plans are dependent on various factors such as duration of stay, destination country, citizenship country, age of the traveler, etc., and each plan has its own set of restrictions. Always read the policy documents in full before making a purchase. Disclaimer: All plans listed above are merely informative suggestions and may not work for all travelers.
While there are risks with traveling to the U.S., many of these risks are less by purchasing immigrant health insurance or travel insurance. Moreover, the risks are less for a plan specific to the immigrant type or travel requirement. To compare plans and get quotes, go to VisitorsCoverage.
See our previous blog post on Understanding the U.S. Health Insurance System.