Medical Insurance for Green Card Holders & New Immigrants
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It may be a bit overwhelming to find a proper health insurance plan as a green card holder. Recently, the Trump administration placed restrictions on green card applications and new green card holders from claiming government benefits. This means you may not be able to take advantage of government health schemes like Medicare, Medicaid, or Calmed. As a lawful permanent resident- you have access to different types of health care which are not available to US citizens.
For example, INF offers immigrant insurance plans which cover pre existing conditions better than most domestic health care plans. When you are trying to find a short term health insurance policy, you will be hard pressed to find one that covers pre existing conditions. INF offers the only immigrant health insurance which can cover your pre-existing conditions. There is no defined enrollment period for an INF short term immigrant insurance coverage plan. Green card holders are eligible to enroll whether they are also staying in the US long term or stay for short periods of time. Most domestic health insurance for green card holders are provided through the Affordable Care Act marketplace-. These health insurance plans are much more expensive and have higher deductibles than an INF plan. For instance he average deductible for an ACA marketplace plan was around $4,578 for the year 2018. And the average new sickness deductible for an INF Green Card Insurance plan was only $387. INF offers the only green card insurance in the United States which can cover you no matter what your immigration status or situation is. We will go through different plan options for different immigration scenarios- so as to provide the best advice on which green card insurance to choose from. |
Older green card holders should have pre-existing coverage
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Types of Green Card Holders
Green card holders who don't live permanently in US should get catastrophic coverage
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You are a green card holder who shuttles often between your home country & the United StatesIf you are a green card holder who travels back and forth from your home country- we suggest enrolling in a plan that will cover true catastrophic events. From an actuarial standpoint, most visitors will suffer a sickness within the first 6 weeks after arriving to the US. The stress of international air travel on the human body leaves it susceptible to new sicknesses. Let alone, an exacerbation of pre-existing conditions.
In those cases we recommend green card holders to enroll in the INF Advantage Comprehensive Immigrant Insurance plan. The INF Advantage plan provides health insurance for new immigrants with $150,000 of comprehensive coverage. Moreover- the INF Advantage provides coverage for the emergency treatment of pre-existing issues. It will also cover new immigrants for issues like urinary tract infections. UTIs are typically excluded from most immigrant insurance plans due to the claims costs which arise from covering such incidents. Short stays in the US are at the most serious risk of catastrophic events. Most green card holders will opt for some sort of travel insurance which claim to pay out if you do get sick. But rest assured, only INF has the track record of protecting green card holders by providing innovating new immigrant insurance solutions. |
You are a green card holder who is going to stay indefinitely in the US from now on Green card holders have a few more options if they plan to stay in the US for the long term. They can earn income credits which will allow them to participate in Medicare when your are 65. Or they can participate in the ACA marketplace, and try to find an affordable health insurance option which may fit their needs. But what is neither of these are options for you? Trump Administration policies now prohibit new immigrants from obtaining subsidized healthcare through Medicaid.
INF offers green card insurance in both high quality comprehensive coverage, and low cost fixed benefit options as well. If you are a green card holder who has pre-existing conditions- we suggest enrolling in the INF Elite Plan. This is the only comprehensive short term health insurance plan which covers pre-existing conditions. There is no other immigrant insurance plan which covers pre-existing conditions. INF Elite is considered a full pre-existing plan- meaning it covers the "full scope" of medical services required to treat pre-existing conditions. This means you can get specialist care, visit a doctor, and get blood tests done for any worsening pre-existing condition which may arise There really are no other short term health insurance plans which cover pre-existing conditions for green card holders. If you suffer from a chronic pre-existing condition which can worsen at any time- the INF Elite immigrant health insurance plan would be your best option. If you have pre-existing issues- but they are not so severe, we suggest enrolling in the INF Premier plan. INF Premier is INF's most popular options for green card health insurance. INF Premier provides green card holders with affordable health insurance |
Parents with Pre-Existing Conditions should enroll in the INF Elite or Premier Plan
coverage which covers all pre-existing conditions.
This plan covers all the same illnesses as the INF Elite plan- but pays limited benefits based on a schedule of benefits. Nevertheless- INF Premier is the only fixed benefit plan which fully covers pre-existing conditions. If you are cover the age of 65 years and a green card holder- we highly recommend enrolling in a full pre-existing new immigrant insurance plan. The main reason is the green card holders with pre-existing conditions are susceptible to incurring a worsening pre-existing condition. These could be issues related to diabetes, such as diabetic neuropathy- or it could be something related to your kidneys-like acute kidney injury. In any case- you will always want to be covered for the worsening of pre-existing conditions. |
You are a new immigrant who has just received their green card.
If you have recently arrived in the US- you have few options for green card health insurance. You may be able to enroll in the ACA health care marketplace plan- but this is going to be your most expensive option. If you are looking to bridge the gap with a green card health insurance plan- we suggest taking a look at the INF Choice plan. This is a very minimal and basic coverage which does not pay out for large claims, but provides a decent amount of coverage for small to midsize emergencies.
INF Choice plan comes with Dental Discount coverage- meaning you can access preventive and maintenance dental care. No longer will you be saddled with the debt of necessary dental work needed while staying long term in the United States. INF offers this dental discount coverage to green card health insurance holders at no additional cost. This dental discount program will save green card holders up to 50% on most dental procedures.
Like the INF Advantage plan - INF Choice plan will also come with $0 Copay Telemedicine benefit. This means you can access medical care for free at any time of the day - 24/7/365. These board certified US-based physicians will be able to help you with any minor sickness you have, all the way from a soar throat to chicken pox!
As you can see- only INF provide integrated, comprehensive immigrant medical insurance options for new green card holders. No other plan will provide green card holder medical insurance which covers pre-existing conditions, offers cashless claims, includes dental discount coverage, and includes $0 copay telemedicine benefit. We provide the most feature driven green card insurance products for our member. If you are looking for green card medical insurance, you should look no further than INF.
INF Choice plan comes with Dental Discount coverage- meaning you can access preventive and maintenance dental care. No longer will you be saddled with the debt of necessary dental work needed while staying long term in the United States. INF offers this dental discount coverage to green card health insurance holders at no additional cost. This dental discount program will save green card holders up to 50% on most dental procedures.
Like the INF Advantage plan - INF Choice plan will also come with $0 Copay Telemedicine benefit. This means you can access medical care for free at any time of the day - 24/7/365. These board certified US-based physicians will be able to help you with any minor sickness you have, all the way from a soar throat to chicken pox!
As you can see- only INF provide integrated, comprehensive immigrant medical insurance options for new green card holders. No other plan will provide green card holder medical insurance which covers pre-existing conditions, offers cashless claims, includes dental discount coverage, and includes $0 copay telemedicine benefit. We provide the most feature driven green card insurance products for our member. If you are looking for green card medical insurance, you should look no further than INF.