Health Insurance for New Immigrants

US permanent residents are not eligible for visitors insurance. Visitors insurance is designed to cover those traveling outside of their home country. For green card holders living outside of the U.S and here in the states for a short visit, they can purchase a visitor's insurance plan for their stay. Depending on your age and other factors, we want to ensure you choose the most suitable option that will fit your individual needs. You can view more information about green card insurance eligibility here: Health Insurance for Green Card Holders.

As a green card holder traveling to the US for a few months out of the year, you may consider the Patriot America Plus policy. This plan will provide coverage for green card holders living outside of the US who are planning on making a short trip back.

For new immigrants to the US, it is a good idea to get visitors insurance for your initial time settling in. For people age 60 years and over, the Patriot America Plus plan is a good option, as it can provide coverage for acute onset of a pre-existing condition up to the policy maximum for people up to age 69. Once you receive your ID, Social Security number, etc., you may apply for a regular long-term US domestic health insurance, as visitors insurance does not meet Obamacare requirements.

For new immigrants and green card holders, the Patriot America Plus plan is suitable for short-term medical coverage while you are awaiting eligibility for domestic insurance. Like all travel insurance policies, this plan does not fulfill the Affordable Care Act requirements, so you should only use it for a short period of time while traveling abroad. You can see the plan coverage details in the Plan Brochure and Description of Coverage document.

If a green card holder has worked for at least 40 quarters in the US, he or she may qualify for Social Security and Medicare. Visit medicare.gov for more information on domestic healthcare insurance.

The plans that we offer are short-term travel medical insurance plans. You can view and compare all applicable policies available for green card holders here: plans for green card holders. It is important to note that as short-term travel plans, these do NOT fulfill the ACA/PPCA (Obamacare) insurance requirements for people living in the US on a long-term, permanent basis. Green card holders can use one of the aforementioned plans as a short-term solution and look for more appropriate long-term plans after living in the U.S. permanently for 6 months or more. You can search for a domestic healthcare plan at healthcare.gov. You can also inquire about domestic healthcare plans from your local Social Security Administration office.

You may consider a travel medical insurance plan to cover you during your adjustment of status. Travel insurance is designed to cover an insured person for unexpected and unforeseen illnesses and injuries that may occur when traveling outside of their home country.