Article by Debra Dragon
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, health care in the US is beyond 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 certain insurance companies. To avoid having to go without health care insurance foreign travelers should look into insurance polices specifically designed for immigrants.
Immigrant InsuranceWhether you are looking for short or long term health care coverage, most insurance companies that 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 own 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.
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There is a common misconception that people who have preexisting health problems may not be able to get insurance coverage for serious conditions such as cancer or heart disease. A preexisting condition is a type of condition that relates to a medical issue that was present before obtaining their current health insurance policy. In other words it is a condition that may be stopping a person from receiving full medical coverage from their current provider because the condition was preexisting meaning it didn’t happen under your current insurance. For people who want to purchase health insurance who have preexisting health conditions there is a way to get it, in 1997 the Health Insurance Portability and Accountability Act, also called the HIPPA was passed, which gives employees and their families coverage even if you have a preexisting condition. Through companies like United Healthcare, health insurance can be provided up to 12 months after coverage, or if you are HIPAA qualified you may be able eligible to be covered immediately. For people who have had coverage in the past few months that insurance company will be in charge of insuring you. This is great for many people who are suffering from serious conditions who may be restrained from purchasing a serious medical health insurance plan because of preexisting conditions. For people who are looking to purchase health insurance before being provided it you have to go through a medical exam and fill out a questioner. For someone who is sick already it is almost impossible for the person applying for insurance to receive coverage if they show serious illness or a preexisting condition during this step.
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A valuable contribution to the health care debate.
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The United States is the only major industrialized nation whose government does not guarantee the right of access to health care in time of need by providing universal and comprehensive health benefits coverage to its citizens. Yet, poll after poll show that the overwhelming majority of the U.S. population wants to see profound changes in the funding and organization of health care. But in spite of this popular desire, we do not see that change. Popular will is no… More >>
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I’m currently trying to buy an individual health insurance plan. There are two companies that I’m interested in–Aetna and United because I think those are the two best companies. However, I’m trying to decide between the two of them. Which do you think is better?
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This volume is produced from digital images created through the University of Michigan University Library’s large-scale digitization efforts. The Library seeks to preserve the intellectual content of items in a manner that facilitates and promotes a variety of uses. The digital reformatting process results in an electronic version of the original text that can be both accessed online and used to create new print copies. The Library also understands and values the us… More >>
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Why is the United States the only advanced industrial democracy today without a national health insurance program? Laham aptly examines the reasons for the current health crisis and assesses the prospects for long-term solutions. Students, teachers, policymakers, activists, and citizens at-large will learn from this comprehensive historical analysis of the political and economic problems that have blocked needed reforms and of the debates and proposals through 1993 … More >>
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