Immigration and Health Insurance

If you are a recent immigrant to the United States there will be many things you need to take care of. The process of gaining a green card is long and complicated and there are lots of steps to get through. While the United States can be a land of opportunity and promise, it can also be hard while you are finding your feet and developing a new life. For example, medical insurance is difficult to purchase if you haven’t been living for long in America. While the United States is often referred to as the Land of the Free, […]

Read more »

New Immigrant Health Insurance Plans

There has been some back and forth regarding new immigrant health insurance plans in the recent weeks. Many of our users have expressed interest in plans that offer 5 years of coverage because it would take them 5 years to get their US citizenship. There are a couple of plans that can offer a full 5 year renewable coverage. Please review the Inbound Immigrant Insurance (a limited benefits plan) and the Bridge Plan Insurance (very similar to the US medicare plans). The Bridge plan is more expensive but it is the closest to the US Medicare plan that is available […]

Read more »

Enter a Foreign Country with the Insurance You Need

The recession is over and the economy shows signs of recovering. Chances are, business has improved too, and if you are a business owner, you are probably already thinking of how much travel you might need to do this year. In this situation, it is best to purchase annual travel insurance Remember that with an annual travel insurance plan, you will receive insurance coverage for an entire year, regardless of the number of trips you make. The annual insurance plan comes with basic medical coverage including inpatient and outpatient care, and emergency medical services. Repatriation of remains and accidental death […]

Read more »

Dealing with Rejection: The Insurance Way

The insurance business is a tricky one, and health insurance, even trickier. When you file a claim for health insurance, you may just receive a letter stating that your claim has only been partly accepted. You may feel a bit disappointed, but may simply file it away. This is especially true in the case of visitors medical insurance, since it is very tough to understand the way the U.S. healthcare and insurance systems work. However, there are several reasons that claims can be rejected, and a rejection letter is not the end of the claim. One of the major reasons […]

Read more »

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). […]

Read more »

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 […]

Read more »

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 […]

Read more »

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 […]

Read more »

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 […]

Read more »

Economic Woes Hard on those with Alzheimer’s and their Caregivers

Miami, FL (MMD Newswire) May 11, 2009 — “With lost jobs and foreclosed homes, families caring for those in the moderate to advanced stages of Alzheimers disease at home are hitting the breaking point. Recalibrating their expectations in ways they never imagined, families are looking for answers and we can’t afford to ignore them.” Dr. Zo Ann Lewis stated at recent caregiver conference in Miami. “In this economy we are seeing financial barriers that prevent families from accessing help for their loved ones with Alzheimer’s. For many confronting this disease, the finances targeted for their golden years evaporated and families […]

Read more »