Health Insurance for New Immigrants

#1
Hey everyone,

I am doing research about health insurance for new immigrants travelling to the US.
My travel plans changed and I want to get some insurance before travelling, but it's very hard to find a decent plan.

I read the healthcare articles on BritSimonSays.com and reviewed visitorscoverage.com. There are a lot of plans there, but after reading so many reviews it doesn't look good. Some of them are not suitable for US residents (green card holders) and some of them have really bad reputation of rejecting every claim with an excuse of "pre-existing condition", specifically Atlas America and Patriot America which is administered by International Medical Group (IMG).
They are pretty affordable, but might end up useless if I need to use them for something.

I read somewhere that new immigrants should be able to enrol to HealthCare.gov, but the enrolments are closed now.

Can anyone recommend a health insurance plan that they have used, something temporary until I get a job and get insured?

Any help appreciated!
 

Britsimon

Super Moderator
#3
Hey everyone,

I am doing research about health insurance for new immigrants travelling to the US.
My travel plans changed and I want to get some insurance before travelling, but it's very hard to find a decent plan.

I read the healthcare articles on BritSimonSays.com and reviewed visitorscoverage.com. There are a lot of plans there, but after reading so many reviews it doesn't look good. Some of them are not suitable for US residents (green card holders) and some of them have really bad reputation of rejecting every claim with an excuse of "pre-existing condition", specifically Atlas America and Patriot America which is administered by International Medical Group (IMG).
They are pretty affordable, but might end up useless if I need to use them for something.

I read somewhere that new immigrants should be able to enrol to HealthCare.gov, but the enrolments are closed now.

Can anyone recommend a health insurance plan that they have used, something temporary until I get a job and get insured?

Any help appreciated!
My articles about health coverage point out that you need to choose a plan that is a) suitable for a GC holder, and b) covers pre-existing conditions. The Visitorscoverage site makes both those things clear on every plan.

I also make clear that these plans should only be seen as a temporary solution, not a long term plan, and that ACA plans (such as offered on healthcare.gov) are the best option if you are not just on an extended activation trip.

And finally, as Xarthisius points out, a new immigrant can start a healthcare.gov plan outside of the open enrollment period.
 
#4
Thanks for your answers, guys.

@Britsimon, You are right, the Visitorscoverage site shows details about every plan, that was not my complain.
What I wanted to point out is that there are tons of bad reviews of the plans on Visitorscoverage (specifically Atlas America and Patriot America) which say that they cover pre-existing conditions, but later they actually rejected claims that people opened with that excuse.
The point was, the more I search for reviews, the worse the plans look.

I understand that they should be used only temporary. I am doing an activation trip as well as moving, so maybe a better option is to move there without health insurance and then get one from the ACA plans offered on healthcare.gov.
I tried registering on healthcare.gov but it requires SSN and US phone number, and since I am still overseas, I can't complete the application.
 

Britsimon

Super Moderator
#5
Thanks for your answers, guys.

@Britsimon, You are right, the Visitorscoverage site shows details about every plan, that was not my complain.
What I wanted to point out is that there are tons of bad reviews of the plans on Visitorscoverage (specifically Atlas America and Patriot America) which say that they cover pre-existing conditions, but later they actually rejected claims that people opened with that excuse.
The point was, the more I search for reviews, the worse the plans look.

I understand that they should be used only temporary. I am doing an activation trip as well as moving, so maybe a better option is to move there without health insurance and then get one from the ACA plans offered on healthcare.gov.
I tried registering on healthcare.gov but it requires SSN and US phone number, and since I am still overseas, I can't complete the application.
An ACA plan is ideal, but a cheap plan that "should" cover some costs, is way better than no insurance at all. Medical emergencies here come with eye watering bills. Like - my wife's simple vertigo (acute dizziness) episode with a four hour visit to the ER. The bill? $25,000. 6 figure bills are not that unusual here. It will take a few weeks to get covered under ACA - so that is why there are the cheap plans.
 
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