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New Immigrant Insurance

Question:

We are new US permanent residents and green card holders. I've purchased an International Major Medical policy for me and my child. I was about to do the same for my husband, but I noticed that it doesn't cover pre-existing conditions. He suffers from seasonal allergy and asthma during the spring, but he has been well in the last 6 months: he didn't see a doctor for this problem in the past 6 months, but he always travels with emergency medicines just in case... Would this be considered pre-existing conditions, in regard to International Major Medical? Are there other insurances suitable for him, permanent resident with green card?

Answer:

Thank you for your interest in purchasing insurance through us.

International Major Medical plan covers new sickness, injuries or accidents that may occur after the eff. date of the policy. It does not cover pre-existing conditions. His allergy will be considered as pre-existing conditions.

If you want to cover his existing conditions, you can enroll him under Obama care plan during open enrollment period.

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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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