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.

Do you qualify- Just as there are special insurance programs for students and other foreign travelers, it is important that you determine you qualify for immigrant insurance before applying. Immigrant insurance is available to green card holders and H1B, H4 and F2 Visa holders. Find out what you need to ensure you do not begin the process only to discover at a later date you are not eligible 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 understanding the information provided by an insurance agent, company or broker-protect yourself by either waiting until a trusted advisor can help you navigate the in’s and out’s of the policy or ask questions until you are completely 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 save 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.

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 however you should shop for immigrant insurance that will cover as many needs specific 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.

About the Author

Debbie Dragon is a freelance writer providing articles for American Visitors Insurance, a company that provides visitors insurance, including visitor medical insurance to individuals traveling to the USA

Does the United States Need a National Health Insurance Policy?

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.

United Healthcare health insurance is a company that prides itself on its ability to help its customers and wants to do anything in its power to do whatever it can to make it easiest for them. For people who are already suffering from a medical condition the road is already hard enough, they not only have to deal with the daily illnesses and stress of being seriously ill, but they also have to deal with the emotional ups and down of being sick, not even to mention having to deal with the repercussions of their illness with their job and family. For many people having such a serious conditions such as cancer it can be very devastating, for providers like United Healthcare health insurance their main goal is to insure you and your family in the best and most cost effective way that they can. This not only applies to the person’s whose name is on the insurance policy but this also applies to any dependents you may have such as your children or your spouse. This can be very helpful if your spouse is currently unemployed and gets injured or sick.

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