Immigrant Insurance Plans -Right Choice for New residents
One of the most difficult aspects of adjusting to life as an immigrant in a new country is getting a grasp of the healthcare system. The expense of obtaining health insurance is often too much for many new residents to pay, and understanding the rules and regulations can be confusing. Luckily for new immigrants, health insurance for immigrants allows them to get the healthcare coverage they need at costs they can afford.
Immigrants don’t have to worry about getting accepted into an insurance plan, as they are guaranteed to be covered by an immigrant insurance plan. Immigrants can receive coverage of up to $100,000 per claim under these policies.
The cost of immigrant insurance 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.
As immigrants, it can be expensive to pay those kinds of expenses out of pocket. But with immigrant health insurance, you won’t have to. You and your family can rest easily knowing that your access to healthcare is assured.
Be advised that while immigrant insurance will cover many procedures and events, you may not be able to get coverage for all issues. Items that are often not covered by immigrant health insurance policies include birth control, preexisting medical conditions, preventive care and elective treatments.
You may think that because you have a new job that offers insurance, you don’t need 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 health insurance for immigrants 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.
Wondering where to get an immigrant medical insurance plan? Many private insurance companies offer them. It’s always a good idea to ask someone who has experience with these policies for their advice. For instance, do you know other recent immigrants who have used these plans to get health coverage? Or is there an advisor at your local immigration and naturalization office who may be able to help? Their recommendations can really come in handy.
Thanks to immigrant insurance, great health care is available to new residents just as it is to people who’ve lived here their entire lives. Make sure your family is covered with the medical coverage they need by buying an health insurance for immigrants policy.
Dan Miller often writes about immigrant insurance