Greencard holders visiting the USA
Bridge plan
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
Bridge Plan (A.M. Best Rating: A) is a comprehensive medical insurance plan for permanent residents, green card holders, and individuals who are waiting for or not yet eligible for Medicare. It helps bridge temporary gaps in health coverage by providing comprehensive medical benefits and access to the First Health PPO network. Coverage is available for up to 364 days.
While in the U.S., after the deductible is satisfied within the First Health PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 100% of eligible medical expenses, up to the selected policy maximum.
Bridge Plan does not cover pre-existing conditions.
Review the Bridge Plan policy documents for complete coverage details, exclusions, and limitations.
While in the U.S., after the deductible is satisfied within the First Health PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 100% of eligible medical expenses, up to the selected policy maximum.
Bridge Plan does not cover pre-existing conditions.
Review the Bridge Plan policy documents for complete coverage details, exclusions, and limitations.
How Bridge plan Works
After the deductible, plan pays 100% up to policy maximum within the First Health PPO network
Out of Network
100%
After deductible, 100% URC up to policy maximum
PPO Network for Bridge plan
Inside the USA
The PPO provider for Bridge plan Insurance is First Health, a network recognized by all major hospitals and healthcare facilities.
When visiting a healthcare facility, remember to mention First Health as your PPO provider. Bridge plan policy holders should visit providers listed within the First Health directory to take advantage of in-network benefits.
Outside the USA
There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can view the international list of providers for Petersen International.
Key Travel Medical Insurance Benefits
COVID-19 Excluded
PPO
Medical Evacuation
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 10 days to 364 days
Eligibility for Bridge plan
- For permanent residents, green card holders, waiting for Medicare or not currently eligible for Medicare.
- Coverage begins once the policyholder has left their home country and has entered the destination country
- For ages 60 to 95 years
- Coverage for up to 364 days in a policy period
- Extendable for up to 364 days
- Plan can be purchased after arrival at the destination
Medical Coverage
Medical coverage details.
Eligible Medical Expenses
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
100% URC up to policy maximum
Available Policy Maximums
Available Policy Maximums
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
Limits may vary based on age or destination of traveler
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
Pre-Existing Conditions
Pre-Existing Conditions
Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:
Please review your policy document for any other limits or exclusions.
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Not covered
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
Prescription Drugs / Medicines
Prescription Drugs / Medicines
URC up to policy maximum
Dr. / Physician Visit
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Urgent Care
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Surgical Treatment
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Lab & X-rays
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
In-Patient
Medical treatment that includes an overnight stay at a hospital.
Hospital Room and Board
In-Network
In-Network
Average semi-private room and rate
Out-Network
Out-Network
Average semi-private room and rate
Dr. / Physician Visit
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Surgical Treatment
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Emergency Services
Hospital emergency services (certain limits may apply).
Ambulance Expenses
In-Network
In-Network
Up to 100%
Out-Network
Out-Network
URC up to policy maximum
Emergency Room
In-Network
In-Network
100% up to policy maximum
Out-Network
Out-Network
URC up to policy maximum
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
Dental Emergency
Dental Emergency
Not covered
Travel Coverage
Travel-related coverage
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Not covered
Return of Mortal Remains
Return of Mortal Remains
Not covered
Trip Interruption
Trip Interruption
Not covered
Trip Delay
Trip Delay
Not covered
Lost Luggage
Lost Luggage
Not covered
Terrorism
Terrorism
Not covered
Personal Liability
Personal Liability
Not covered
Identity Theft
Identity Theft
Not covered
Legal Fees
Legal Fees
Not covered
Lost or Stolen Passport
Lost or Stolen Passport
Not covered
Missed Connection
Missed Connection
Not covered
Other
Other types of coverage not mentioned above.
Doctor Wellness Visit
Doctor Wellness Visit
Not covered
Preferred Rates
Preferred Rates
Not covered
Bridge plan Exclusions
What is not covered
Manage Your Policy Online
Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.
Sign in to your accountHelpful Links
Claims Contact Information
Send Claim Form to:
International Risk Management Group, P.O. Box 2104, Doylestown, PA 18901
215-794-1498
piu@piu.org
Administrator Contacts:
215-794-1488
piu@piu.org
Claims Form(s):
Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process
The Bridge Plan is available for permanent residents and green card holders who are waiting for Medicare or are not currently eligible for Medicare coverage.
You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Bridge Plan, which is the FirstHealth PPO Network.
You can search for doctors or hospitals in this Provider Directory.
Please refer to the following article about the policy usage:
How to Use Your Visitor Insurance
Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.
The Bridge Plan is not extendable. If additional coverage time is needed, you may repurchase the plan for the remaining travel duration.
You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
You will need names, date(s) of birth, home country address, and a valid credit card.
After purchasing the policy online, you will receive your ID card in your confirmation email.
Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
The Bridge Plan plan does not offer any coverage for COVID-19. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Coverage will begin on the date selected and once the policyholder has left their home country. The policy will only cover for conditions that occur after the policy effective date.
Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.
This plan is eligible for permanent residents and green card holders who are waiting for Medicare, or are not currently eligible for Medicare. We recommend reviewing the policy document to fully understand the coverage details, exclusions and benefits limits.
Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country.
No, your Bridge Plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.
The Bridge Plan plan does not cover for the COVID-19 vaccine/booster. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
Bridge Plan does not cover coronavirus testing.
The Bridge Plan plan does not offer any coverage for quarantine.
No, the premium is not due until the coverage has been approved by underwriters. If the payment is set up to be automated on a monthly basis the payment will be drafted the day of the month the coverage became effective.
Prescriptions will be covered during hospitalization only. Maintenance medication is typically covered by a Medicare supplement under Medicare Part D and is not covered under the Bridge Plan Insurance.
The policy will not provide coverage for expenses related to diabetes or any chronic conditions. The policy wording has an exclusion which requires 24 months, treatment free, before being covered.
Due to the cardiac event underwriters will most likely place a permanent exclusion for the entire cardiovascular system including heart attack and stroke.
The condition will be considered a pre-existing condition on the renewal of the policy.
Premiums will adjust each renewal year by age and any other underwriting ratings at that time.
Yes, you may purchase the policy even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy’s effective start date.
The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
Have specific questions about this plan?
AI Assistant Bridge planAI assistant can help you find specific terms and details in the policy document.
Need more assistance?
Chat with LunaOur smart travel assistant, Luna, is ready to assist you 24/7. Get instant answers to your questions.
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
Optional add-on benefits
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
