New immigrants to the United States have a lot on their plate the last of it should be worry about their health. U.S. healthcare is very expensive, and the new immigrant must purchase reliable health insurance for immigrants in order to be protected from sudden medical expenses.
Health insurance for immigrants can help an immigrant ensure that their dream of a better life in the United States is fulfilled, without any interruptions. Some immigrant health insurance plans are guarantee issue, which means that everyone who applies is accepted.
Unplanned medical expenses are generally covered by immigrant insurance. That includes emergency evacuation and accidental death and dismemberment, apart from the medical costs related to inpatient and outpatient care, diagnostic tests, prescription drugs, surgery, and ambulance services.
Physiotherapy, chemotherapy, and radiation therapy are also covered by some US immigrant insurance. Dental care is included if the damage is to the natural teeth, and mental disorders, drug and narcotic abuse and maternity are all covered if conditions are satisfied. What is not covered? Routine medical care, optical care, previously existing conditions, and cosmetic surgery are generally excluded.
Health insurance for immigrants comes in two varieties scheduled benefits plans and comprehensive benefit plans. Scheduled benefit plans are less expensive, and have a fixed coverage amount for each medical service; these limits are listed in the brochure. Comprehensive plans, however, usually offer up to the benefit maximum for each covered service; only the deductible and coinsurance will be paid by the insured.
Immigrant health insurance is usually short-term in nature, and can be purchased for a month up to five years. Remember that renewal rules and conditions vary by plan. Immigrants also have the choice of selecting the deductible most comfortable for them. Lower deductibles mean a higher premium.
You should do your homework carefully before purchasing an immigrant health insurance plan. Companies such as A.M. Best rate insurance companies, and you should look for your insurance company’s Best rating before deciding on a plan.
You can buy immigrant health insurance at any time before you leave for the U.S., or after you reach the U.S. Remember to purchase the insurance plan that is most appropriate for you. You can push anxiety about healthcare costs out of your mind!
Dan Miller often writes about inbound immigrant insurance.