Immigration

Medical Insurance for Green Cardholders

Health insurance policies for Green Card holders in the United States are identical to those for US residents. Because the United States lacks a national healthcare system that covers all categories of people, immigrants and citizens must obtain health insurance from private firms. Existing public health care only covers a small percentage of the population, such as the elderly, children, and the crippled. 

Medical Insurance for Green Cardholders

As a result, Green Card holders over 65 are eligible for public insurance such as Medicaid, but only after five years of permanent resident in the United States. Green Card holders are not required to have health insurance in the United States. It is, nevertheless, strongly advised due to the high expense of healthcare in the United States.

A doctor’s appointment can cost hundreds of dollars, but hospitalization can cost thousands of dollars every night, not to mention the expense of the medical treatment. Prior to January 1, 2019, all US residents and immigrants were required to get health insurance that complied with the Affordable Care Act (ACA), often known as Obama Care, or face a fine in addition to their medical expenditures. However, as of January 1, 2019, federal law no longer requires citizens and immigrants to have health insurance; instead, each state must determine whether or not to force inhabitants to get medical insurance.

The Different Health Insurance Options for Green Card Holders

You can acquire health insurance as a Green Card holder in one of the following ways:

  • Plan for individual health insurance
  • Plans for group health insurance

Plan for individual health insurance

Individual health insurance plans are when you purchase a plan from a health insurance company without the involvement of your employer. 

You can, for example, drop out of your employer’s health insurance plan and purchase your own if it does not meet your needs. Individual healthcare plans will be required for Green Card holders over the age of 65 who are not working and do not yet qualify for public healthcare.

Plans for group health insurance

Group health insurance plans for immigrants in the United States are often acquired by businesses or organizations and made available to their workers or members. 

These health insurance plans are less expensive since they cover a bigger number of individuals and the company/president organization’s or CEO covers part or all of the costs. In the United States, group health insurance policies can be extended to cover the Green Card holder’s dependents (spouse and children). You won’t be able to add your elderly immigrant parents to your corporate health insurance. Instead, green card holders over the age of 65 will need to acquire appropriate health insurance.

New Immigrants’ Health Insurance in the United States

New immigrants in the United States, such as relatives or elderly parents of US residents or citizens, can obtain health insurance coverage via the Affordable Care Act (ACA), often known as Obama Care. The sort of health insurance plan you require, however, is determined by your residency status. International student health insurance requirements, for example, are primarily determined by the school, whereas H1-B visa holders can obtain health coverage via their employment.

Green Card Holders Over 65: Health Insurance Options

If you are over the age of 65 and wish to get health insurance in the United States, you have two alternatives, based on your resident status and time spent in the country:

  • Buying personal health insurance
  • Making an application for Medicaid

Green Card Holders Over 65 Can Get Private Health Insurance

Green Card holders who have recently relocated to the United States and are above the age of 65 will be required to obtain health insurance from a commercial business. Immigrants in the United States are only eligible for Medicaid or a public healthcare provider after five years of continuous residency in the United States. 

If you are just visiting the United States, travel insurance for travelers over 65 years of age is recommended. For visiting parents over the age of 65, the following are the best Green Card health insurance plans:

  • Patriot America.
  • Patriot America Plus.
  • Patriot Platinum America.
  • Visitors Care.

Green Card Holders Over 65 Can Qualify for Medicaid

Medicare is a national health insurance program in the United States that covers citizens and residents of the United States over the age of 65. 

If you have a Green Card, you may be eligible for Medicaid if you meet the following criteria:

  • You are at least 65 years old and have lived in the United States for at least five years; or 
  • You or your spouse have paid Medicare taxes (i.e. worked in the United States) for at least ten years.

Even if your income is below the poverty level, you will not be eligible for Medicaid or any other form of healthcare coverage if you do not meet one of the final two requirements.

How Much Does Green Card Holders’ Health Insurance Cost?

Medical insurance costs for Green Card holders and US residents are determined by three primary factors: In the United States, the cost of health insurance policies rises with the person’s age. 

So, if you’re buying medical insurance for your elderly parents who recently arrived in the United States on a Green Card, the cost will almost certainly be greater than if you were applying for yourself. Medical insurance policies in the United States are priced vary based on where you live.

The cost of medical insurance policies is determined by the degree of coverage desired as well as the duration of coverage.

Is it possible for me to get health insurance while I wait for my green card?

If you are residing in the United States while your Green Card application is being processed, you are legally still a tourist. 

As a result, until your Green Card is obtained, you must purchase visitor health insurance. Following the receipt of your Green Card, you must get appropriate health insurance for immigrants and permanent residents in the United States.

Green Card Holders’ Best Health Insurance Plans

The best four health insurance plans for Green Card holders in the United States are as follows:

  1. Patriot America Plus.
  2. Patriot Platinum America.
  3. Patriot America.
  4. Visitors Care.

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