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insurance for recent immigrants I have been reading your postings at immihelp. My parents will be immigrating to the US this month. I am resigned to continuing to buy visitor insurance for them since it doesn't look like they will be covered by medicare/medicate etc, inspite of being permanent residents. What plan would you recommend ? My father is 75 with a host of pre-existing conditions, my mother is 70+ and in the same boat. Would I still be liable for a lot of the expense even after purchasing the insurance ? I am wondering if immigrating to the US is such a good idea afterall. thanks
As bad as it may sound, immigrating to the USA with pre-existing conditions is not at all a good idea. I suggest you read /new-immigrants-medical-insurance-plans/ It will give very good guidance regarding the position of new immigrants regarding insurance. In short, no company will cover pre-existing conditions for them and you would be on your own if something related to pre-existing condition occurs. You may also want to read /visitor-medical-insurance-pre-existing-conditions/ that describes pre-existing conditions in very detail. Having said that, if you would like to purchase $100,000 comprehensive insurance, WorldMed would be best. It is available at /worldmed-insurance/ For $50,000, Protection America would be best, available at /patriot-america-lite-insurance/ I hope this answers your questions. Please feel free to contact us at any time if you have any additional questions.
Thanks for your prompt response. I will look into the links you provided, I would like to atleast buy temporary insurance till I have everything sorted out. I did hear that in CA, anyone above 65 (including recent immigrants) can make use of Medi-CAL. Is this correct, do other states have a similar program ?
I have looked into Medi-CAL. It is not as simple as it sounds. Before person being eligible for any such programs, they will take your assets also into account. Most people will not qualify. Similar rules exists in other states also. When sponsoring them, you are certifying in Form I-864 that they will not be any burden on government and you will take care of them yourself.
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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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