New immigrants to the United States have a lot to think about. In addition to settling into a new home, finding a job, and enrolling children in school, new immigrants must also consider visitor insurance plans. New immigrants to the United States are required to have insurance.
To help new immigrants learn about their health insurance options, we have created a guide to help them understand the different health insurance options that are available to them.
This guide will discuss the types of health insurance available to new immigrants and help them find the best health insurance for their needs.
What is New Immigrant Health Insurance?
New Immigrant Health Insurance is a short-term health insurance plan designed specifically for new immigrants to the United States. Visitor insurance plans are also available to green card holders and permanent residents in the U.S. for less than two years.
New immigrant health insurance provides coverage for new and unexpected illnesses and
injuries and can also include benefits for preventive care, wellness, and prescription drugs. These plans are designed to bridge the gap for those who still need to be eligible for other health insurance options.
Who Needs New Immigrant Health Insurance?
If you are a new immigrant in the United States, you must ensure you have visitor insurance plans in place. It is required by law that all immigrants have a health insurance plan within 30 days of entering the country.
It is important to note that the Affordable Care Act (ACA) does not apply to new immigrants. Therefore, you cannot purchase a plan through the Health Insurance Marketplace. The good news is that various health insurance options are available for new immigrants in the United States.
What Does New Immigrant Health Insurance Cover?
The type of coverage you get depends on the plan you choose. However, most health insurance plans for new immigrants provide coverage for doctor visits, hospitalization, prescription drugs, and other medical services.
Some visitor insurance plans also cover preventive care, such as vaccines and screenings.
In addition to medical coverage, many new immigrant health insurance plans also provide coverage for dental, vision, and other health-related services.
It is essential to carefully review the coverage options and limits of any plan you are considering to ensure it meets your needs.
What Does New Immigrant Health Insurance Not Cover?
New immigrant health insurance only covers some things. There are some standard exclusions to be aware of. These can include:
- Pre-existing conditions
- Routine dental and eye care
- Preventative care
- Vaccines
- Maternity care
- Cosmetic surgery
- Weight loss surgery
- Organ transplants
- Chronic conditions
- Mental health
If you have a pre-existing condition, you cannot get coverage for it with new immigrant health insurance. If you are pregnant, you will not be able to get coverage for maternity care. If you need coverage for any of these exclusions, you must find a different type of visitor insurance plan.
What is the Cost of New Immigrant Health Insurance?
The new immigrant health insurance cost can vary depending on your chosen plan. However, it is essential to note that the cost of health insurance for immigrants is generally higher than for U.S. citizens. This is because immigrants are often considered to be at a higher risk of needing medical care so that insurance companies may charge them more.
In addition, the cost of new immigrant health insurance can also vary based on several other factors, including:
- The age of the applicant
- The location of the applicant
- The length of time the applicant has been in the U.S.
- The type of plan the applicant chooses
- The amount of coverage the applicant needs
Before purchasing a new immigrant health insurance plan, comparing the cost and coverage options available is essential. This will help you find the best plan for your needs at an affordable price.
How to Apply for New Immigrant Health Insurance
The easiest way to apply for health insurance as a new immigrant is through the HealthCare.gov website. If you don’t apply for health insurance within your first 60 days in the U.S., you’ll have to wait until the next open enrollment period to use.
Conclusion
When selecting the best immigrant health insurance, numerous factors must be considered. However, one company that stands out from the rest is IIG. With their comprehensive coverage options and exceptional customer service, it’s no wonder we chose IIG as the top choice. Not only does IIG offer a wide range of plans to suit individual needs, but they also provide affordable premiums that will keep the bank intact.
Moreover, their network of healthcare providers is extensive, ensuring that immigrants can access high-quality medical care wherever they are in the country.
Additionally, IIG goes above and beyond to assist its policyholders with questions or concerns, ensuring they feel supported and valued. So, if you’re searching for the best immigrant health insurance, look at IIG. They genuinely go the extra mile to provide exceptional coverage and peace of mind.