Foreign travelers who are coming to the United States to live have different health insurance needs than those who are just traveling through or visiting. While certain needs may be different, immigrants and travelers have one thing in common- the need to have some form of medical coverage while they are on American soil. As much of the world already knows, healthcare in the US is exceeding expensive, and many United States citizens lack proper health care coverage.
For individuals who have recently moved or are thinking of moving to the United States, it is important to understand that new immigrants are not immediately eligible for health care coverage through Medicare or individual insurance companies. To avoid having to go without health care insurance, foreign travelers should look into insurance policies specifically designed for immigrants.
Whether you are looking for short or long-term health care coverage, most insurance corporations which offer “travelers” insurance will have some form of immigrant insurance to meet your needs. Immigrants can purchase insurance for as little as a few days up to one full year (short term) or longer than a year (long-term).
There are many different policies available each with their exclusions, restrictions, benefit periods and costs. It is important for inbound immigrants to understand what type of coverage they are purchasing before committing to any one policy.
Here are a few tips for immigrants who are searching for immigrant insurance while moving to or living in the United States.
Do You Qualify – Just as there are specialized insurance programs for students and other foreign travelers, it is important that you determine you are eligible for immigrant insurance before applying? Immigrant insurance is accessible to green card owners and H4, H1B, and F2 Visa holders.
Find out what you need to ensure you do not begin the means only to learn at a later date you are not suited for the insurance you have selected.
Compare Policies Carefully – Insurance policies are written in a way that even people native to the country sometimes find hard to understand. If you have any difficulty interpreting the information provided by an insurance agent, company or broker-protect yourself by either waiting until an assigned advisor can help you navigate the in’s and out’s of the policy or ask questions until you are fully satisfied that you understand the policy in its entirety.
Once you understand all the benefits and exclusions, then shop around and compare different policies from different providers. You could easily preserve yourself hundreds of dollars by simply taking the time to see what the competitor is offering but only if you are comparing the same policies terms.
Patriot America Insurance caters to international travelers and provides coverage for non-US citizens moving out of their homeland for a period ranging between 10 days and one year. So, it is well suited for tourists and parents visiting the United States.
Visitors medical insurance plans are provided by many insurance providers and policy seekers can get US visitor insurance quotes online before buying their preferred policy. Since health care is extremely expensive in the U.S., it is advisable to apply for medical coverage before traveling there.
This will take care of all medical costs incurred during one’s stay there. Parents, tourists, relatives, and friends can benefit by opting for the Visitors Health Insurance plans. This way you can appreciate your vacation without having to worry about emergencies and related costs.
Buying visitors medical insurance plans is not a problem since there are plenty of global medical insurance providers and plans. These providers boast of excellent customer services and their agents assist you to make an informed choice.
USA Visitor insurance policies can be bought online or after reaching the country. To be eligible for such coverage, you need to have a student, tourist, or business visa.
Liaison International Insurance gives coverage for citizens leaving their country. It is especially useful for a traveler whose destination is the U.S. it offers medical coverage up to $1,000,000 and is renewable. It covers both individuals and their families.
There are global medical insurance providers like Travelex Insurance Services, Global Underwriters, AIG Travel Guard, HTH Worldwide, Reliance Travel Insurance, Patriot America Insurance, Atlas America Insurance, and others that provide health insurance for visitors to the USA.
USA Visitor Insurance, Inbound USA insurance, Global Medical Insurance are all dedicated to looking after the safety of travelers and immigrants to the U.S.
Will this policy provide the benefits you need- Do you have a pre-existing condition, are you pregnant or plan on becoming pregnant? Do you wear glasses or require special doctor visits for certain medical issues? Not all insurance policies will cover every person’s needs.
Nonetheless, you should shop for immigrant insurance that will cover as many needs particular to your lifestyle as possible. It will cost more for the policy however you will have the added benefit of coverage for things that truly provide a benefit to your life.
Moving to a new country is exciting and also frightening for most people. Immigrants are required to fill out a lot of paperwork, meet certain guidelines and adhere to regulations put in place specifically for those new to the United States.
With all of these changes, it is possible to overlook medical insurance however this is not something new immigrants want to do. Take the time today to look into immigrant insurance to have the peace of mind that your health care needs will be covered in the future.