Secure Your Dreams with Immigrant Insurance Plan

Immigrant health insurance plans are geared toward legal immigrants to the United States. Some plans, such as the ImmigrantSecure plan by Lloyd’s of London, are fixed benefit plans. ImmigrantSecure, like most health insurance plans for immigrants, covers hospitalization, outpatient care, ambulance services, prescription drugs, emergency medical evacuation, repatriation of remains, and AD&D. ImmigrantSecure offers four plans with different levels of coverage and deductibles. Those who are 80 or older must choose Plan A ($10,000 policy maximum for the age group). Those who are between 70-79 years of age can choose between Plan A ($25,000 maximum) and Plan B ($50,000 maximum). […]

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Peace of Mind, Guaranteed

A new immigrant with a pre-existing condition is often discouraged by the process of purchasing immigrant health insurance. That may even result in the immigrant not purchasing insurance of any kind. Needless to say, insurance is nearly a necessity in the United States -be it visitor medical insurance, international student health insurance, or immigrant insurance. To ensure that people do not go without insurance, special plans called ‘ ‘guaranteed issue’ plans are mandated by some state governments. Basically, it means that no applicant can be rejected on the basis of his/her health. However, applicants can be turned down for other […]

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Insurance Helps Immigrant Dream of Health and Wealth

New immigrants to the United States are often at a loss when it comes to immigrant health insurance. They are either unaware of the need for health insurance, or are just confused by the many options available. To break it down simply, immigrant health insurance typically works like short-term health insurance. Some plans, such as Inbound Immigrant, offers the option of renewing the policy for up to five years, while others, such as Immigrant Secure, can only be renewed for two years. The premium increases by age, and decreases by the deductible chosen. Typical medical benefits include inpatient and outpatient […]

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Esoteric Insurance: All That Existed Earlier Is Not Pre-Existing

A pre-existing condition does not always mean lack of coverage when you purchase a short-term health insurance plan. Typically, in a short-term plan such as visitors� health insurance, the look-back period determines the coverage that pre-existing conditions are eligible for. Each U.S. state has laws that restrict the look-back period that insurance companies can mandate. So, if you had an episode of hypertension six years ago, when your daughter pierced her navel, and no symptom or episode since, you are not considered to have a pre-existing condition, under most definitions. Usually, international travel health insurance plans have a look-back period […]

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The Long Arm of Short-Term Insurance

The list of beneficiaries of short-term health insurance plans is quite long! Short-term insurance is not meant for travel; it can be used by people in different situations in life. The typical characteristics of a short-term insurance plan are the exclusion of maternity, eye, dental, and routine medical care. When options and benefits are added to the basic short-term insurance plan, its different avatars result. When trip benefits are added to the bare bones short-term plan, the resulting plan resembles an international travel insurance plan. Most international travel insurance plans also offer emergency evacuation benefits. Travel insurance whose duration is […]

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Nanny, Nanny, Which Insurance Should I Choose?

You have identified the perfect nanny,comparable to Maria of the Sound of Music, you think when she asks you about nanny health insurance. Will she be getting any? It can seem like a logical question, and something you need to be prepared for. First things first: It is better to include health insurance as part of the benefits package of a nanny. Financial trouble when medical issues strike can be a disaster for you and the nanny. Also, remember that you can get some tax credit for money spent on insurance for an employee. Remember that although the nanny may […]

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Insurance for Need But Not for Greed

David Beckham might be blessed with the best celebrity flat abs, but most ordinary mortals spend their entire lifetimes just trying to get into shape. Now, you might ask, what does U.S. health insurance have to do with reducing weight? The silent epidemic taking over the United States is obesity. One in three Americans can be classified obese and the figures are expected to increase unless we drastically alter our lifestyles and diet. In this vein, it is common for people to seek treatment for obesity and related complications. Will they be covered by health insurance? In cases of extreme […]

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Expat Insurance Irons Out Worry Creases

Living abroad on expatriation carries different risks compared to traveling abroad on a short trip. Expatriate health insurance provides benefit for a longer term as compared to short term policies, which normally cover only up to three years. Living in a foreign country poses several challenges affecting ones health like change in food and water and different clmate. Let’s say George was transferred to the African Republic of Cameroon by his company for 5 years. His wife Susan was pregnant. It rained continuously in Cameroon. Mosquito borne disease was the scourge of the rainy season. Unfortunately, his worst fears came […]

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The Fine Art of Reading the Fine Print-II: Schedule of Benefits

In the previous article, Reading the Fine Print-I, we saw how the policy duration of visitors insurance plans can affect the choice of insurance. Now, let�s look at how reading the Schedule of Benefits carefully and matching it with intended activities is imperative. Let�s say, a lady, Sharon, who is on a visit to the United States, has sustained an arm fracture. She is covered under a visitor health insurance policy, and so she doesn�t worry much. Her boyfriend, Adam, makes a note of the next steps they will need to follow. They call an ambulance, take her to the […]

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Massachusetts Immigrant Insurance Hangs in Balance

Immigrant Health Insurance has been a hot topic of debate in Massachusetts. The Patrick Deval-led attempt to introduce universal healthcare for all was met with loud cheers when it was introduced in 2006. The high costs of that plan are now being called into question, as the Massachusetts legislature is facing problems with funding for the plan. The bone of contention is the fate of nearly 30,000 legal immigrants defined as those legally living in the United States for less than five years, but are yet to become citizens who are more expensive to insure. The governor only managed $40 […]

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