Immigrant Medical Insurance
Immigrant Medical Insurance offer an affordable medical insurance program for new or recent immigrants to the United States. This medical insurance is available to non-U.S. citizens who come to the United States for business, pleasure, to study, or to immigrate. Resident Aliens (Green card holders) can use this insurance, too.
Protection – If you are a non-United States citizen, our plans protect you for new accidents and illnesses while you are in the USA.
Low Cost – Our scheduled benefit plans provide the coverage you need at an affordable price.
Customized – Choose the plan option and benefit level you want, as well as the length of time you need insurance.
Easy to Buy – No questions to answer about your health.
Quick Protection – Coverage can start as soon as the next day. | Print your insurance documents immediately.
NOTE: Immigrant Medical Insurance should be used as a temporary coverage only. It doesn’t cover pre-existing conditions and preventive services, such as immunizations, routine checkups and screenings.
<Comparison of Benefits>
|INBOUND IMMIGRANT||INBOUND CHOICE||INBOUND USA|
|Eligible Age||14 days to 99 years||14 days to 69 years||14 days to 99 years|
|Arrival in U.S.||24 months or less prior to the effective date||24 months or less prior to the effective date||180 days or less prior to the effective date|
|Medical Limit (per sickness or injury)||$50,000, $75,000, $100,000, $130,000|
|$50,000, $75,000, $100,000, $130,000||$50,000, $75,000, $100,000, $130,000
|Deductible (per sickness or injury)||0-69: $0, $50, $100, 70+: $200||$0, $50, $100||0-69: $0, $50, $100, 70+: $100, $200|
|Length of Coverage||5 Years||2 Years||364 days|
|Hospitalization||$1,250/day - $3,000/day, 30 day max||$1,500/day - $3,000/day, 30 day max||$1,050/day - $2,535/day, 30 day max|
|Surgery||$2,100-$7,200 (separate limits for inpatient & outpatient)||$2,100-$7,200 (separate limits for inpatient & outpatient)||$3,300 – $7,150 (separate limits for inpatient & outpatient)|
|Physician Outpatient Visits||$38/visit - $100/visit (10 visit max)||$38/visit - $100/visit (10 visit max)||$55/visit - $110/visit (10 visit max)|
|Emergency Room||$200 - $650||$215 - $660||$250 - $700|
|Prescription Drugs||$68 - $200||$65 - $180||$80 - $200|
|Ambulance||$500||$295 - $880||$450|
|Maternity||$2,800||Not Covered||Not Covered|
|Emergency Medical Evacuation||$50,000||$50,000||$50,000|
|Return of Remains||$25,000||$25,000||$25,000|
|Acute Onset of Pre-Existing Conditions||$50,000-$130,000 for medical expenses, $25,000 for emergency medical evacuation|
(70 & over - no benefit)
|$25,000-$120,000 for medical expenses, $25,000 for emergency medical evacuation|
(70 & over - no benefit)
|$50,000-$130,000 for medical expenses, $25,000 for emergency medical evacuation (70 & over - no benefit)|
Click the following banners to get quotes, download brochures and apply online:
<Senior Medical Insurance>
If you are 60+ years old and new or recent immigrants to the United States, you have other options. You can either use the Immigrant Medical Insurance shown above, or you can use the temporary medical insurance designed specifically for seniors, until you qualify for Medicare. The benefit structures of the Senior Medical Insurance is similar to the U.S. Medicare System. (Medicare is the federal health insurance program for people who are 65 or older and certain younger people with disabilities).
<Short Term Medical Insurance for residents of CA>
Short Term Medical Insurance is for individuals younger than 65 looking for temporary health insurance for up to 90 days. Short Term Medical Insurance is for people between jobs, waiting on benefits to begin with your new employer, retired waiting on Medicare to begin, recent US immigrants, US citizens returning from living abroad, college graduates or young adults no longer covered under parents’ plan or anyone else who needs a temporary coverage.
Immigrant Medical Insurance, Senior Medical Insurance and Short Term Medical Insurance are not a substitute for minimum essential coverage that you may need to have under Affordable Care Acts (“Obamacare”). If you are a U.S. citizen, U.S. national or legal resident alien in the U.S., you will need to maintain minimum essential coverage unless you are exempt and the immigrant medical insurance offered on this page do not fulfill the individual mandate of the law.