What Is Immigrant Health Insurance And How To Avail It?
The United States has a lot of people entering the country on a daily basis. Almost millions come into the US to gain employment or become a US citizen. While there is an income to take care of living expense, what happens when they are faced with medical expenses?
As with every other expense, they need some means of reducing it which can be pretty heavy. As immigrants, they need to look into what type of insurance can be gained or what is specifically available for them and how to avail it.
Features Of Immigrant Health Insurance
Those who have just emigrated into the U.S cannot apply for regular health insurance. They need to look into immigrant health insurance, which is vital to assist them in paying various medical expenses that can otherwise raise costs drastically.
While people who are U.S citizens can get regular Medicare insurance, immigrants are not eligible for it. What is the alternative for Medicare to an immigrant? Look specifically into private health insurance providers, who offer policies specifically for immigrants as they will have plans tailor-made for them so that it fits into their budget,
It is to be noted that health insurance for immigrants can be for a limited period of time, usually for some five years or less. Policies usually offer emergency benefits and the maximum benefit given may be $50000 or $100000.
Health insurance for undocumented immigrants California
There may be a limit on what can be spent on daily hospital stays. Those writing to buy immigrant health policies should check out exclusions which can be in the form of pre-existing conditions or treatments that do not get coverage or list of medical exams that are excluded. Here is a look at what type of coverage immigrants can avail:
Immigrants arriving with a proper visa can get premium subsidies and even those who are 65 plus can get health plans as well as subsidies.
They an opt for short term health insurance plans which is highly affordable and definitely more avoidable than a ACA compliant plan
Get employer sponsored plans which offer coverage for various types of medical expenses
Those who are new US immigrants or coming to the United States for the first time else having a green card but living outside the U.S but visiting it for a short period, should get travel medical insurance. It covers various medical expenses ranging from minor routine check-ups to emergency evacuation for medical emergency, urgent hospitality critical illness treatment and much more.
Those immigrants who are categorized as qualified immigrants apply for Medicaid, which offer comprehensive coverage, paying out for various types of medical expenses, thus reducing the burden of their costs considerably.
Such category of immigrants can also opt for the Children’s Health Insurance Program (CHIP) program. It is to be noted that moth Medicaid and CHIP can be availed by an immigrant provided he or she meets the rules on state income and residency.