Understanding the healthcare system can be a difficult process for new immigrants. Learning the various rules and restrictions of healthcare coverage, as well as simply trying to afford it while getting on your feet financially is no easy task. Fortunately, health insurance for immigrants makes the process of getting high quality health insurance coverage easy for new residents.
Immigrants don’t have to worry about getting accepted into an insurance plan, as they are guaranteed to be covered by an insurance for immigrants plan. Immigrants can receive coverage of up to $100,000 per claim under these policies.
The cost of insurance for immigrants plan is quite reasonable, and is based on the age of the person being covered, the chosen policy maximum, the deductible level selected and the number of days coverage is needed. A complex medical procedure like a surgery can run tens of thousands of dollar without insurance, while something as simple as a prescription to fight the flu could cost hundreds without insurance.
Days of worrying about how to afford expensive medical bills for you and your family are over. immigrant health insurance assures you not only of coverage, but of affordable coverage.
It is important to know that not every medical procedure is covered under immigrant insurance. Some items that commonly will not be covered include birth control items, events caused by preexisting conditions, preventive care, and elective treatments. Consult your program administrator for a full list of items that aren’t covered.
You may think that because you have a new job that offers insurance, you don’t need health insurance for immigrants. However, many plans offered by companies have waiting periods of 90 days or more before an employee is eligible for coverage. Because of this, your immigrant insurance plan can be extended for up to five years. That way you and your family will still be covered while you await acceptance into your employer’s plan.
An immigrant medical insurance plan can be purchased through a number of private insurers. Talk to someone at your local immigration and naturalization office, or fellow recent immigrants for a recommendation on the best provider. You can then learn what health insurance for immigrants plan is best for you.
Do not think that because you are new to a country and don’t have a great deal of money that you cannot provide health care for yourself and your family. With immigrant health insurance, you are guaranteed access to affordable, high quality health care as you make a new life in a new land.
Dan Miller often writes about health insurance for immigrants