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Compare New Immigrants Medical Insurance
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General
Medical - Outpatient
Up to $75 per visit, 1 per day, 30 visits maximum
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Up to $75 per visit, 1 per day, 30 visits maximum
$500 per injury/illness
Extra $200 deductible for illness visit that does not result in hospital admission.
Up to $350 per injury/illness
Up to $750; Up to $650 for PET scan or MRI
Up to $5,000 per injury/illness
Up to $850 per injury/illness
Up to $850 per injury/illness
Up to $1,100 per injury/illness
$125 for one visit. Minimum initial purchase of 30 days. Must occur within first 21 days from effective date.
Up to $75 per visit, 1 per day, 30 visits maximum
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Up to $75 per visit, 1 per day, 30 visits maximum
$500 per injury/illness
Extra $200 deductible for illness visit that does not result in hospital admission.
Up to $350 per injury/illness
Up to $750; Up to $650 for PET scan or MRI
Up to $5,000 per injury/illness
Up to $850 per injury/illness
Up to $850 per injury/illness
Up to $1,100 per injury/illness
$125 for one visit. Minimum initial purchase of 30 days. Must occur within first 21 days from effective date.
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Virtual Physician Visit included.
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-
To policy maximum
Virtual Physician Visit included. Optional Teladoc Consultation.
US-Urgent Care: Deductible waived, $25 copay; no copay if deductible is $0.
US-Walk-in Clinic: Deductible waived, $15 copay; no copay if deductible is $0.
Co-insurance still applies.
To policy maximum
In US: Extra $250 deductible for illness visit that does not result in hospital admission.
To policy maximum or $250,000 maximum limit, whichever is lower; 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
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Medical - Inpatient
Up to $2,000 per day, 30 day maximum per injury/illness
Up to $2,500 per day, 8 day maximum per injury/illness
Up to $5,000 per injury/illness
Up to $850 per injury/illness
Up to $850 per injury/illness
Up to $75 per visit, 1 per day, 30 visits maximum
Up to $450 per injury/illness
Up to $1,100 per injury/illness
Up to $2,000 per day, 30 day maximum per injury/illness
Up to $2,500 per day, 8 day maximum per injury/illness
Up to $5,000 per injury/illness
Up to $850 per injury/illness
Up to $850 per injury/illness
Up to $75 per visit, 1 per day, 30 visits maximum
Up to $450 per injury/illness
Up to $1,100 per injury/illness
Limited coverage
Limited coverage
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To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum
Medical - Other Treatment And Services
180 days
$25,000
Up to $1,100 per injury/illness for initial orthopedic prosthesis or brace
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-
Up to $650 per injury/illness
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Up to $5,000 per injury/illness
Limited to $50 per visit, one visit per day and 12 visits per Policy Period
First Health PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
None
Acute onset only up to policy maximum ($25,000 for cardiac or stroke).
-
Included
180 days
$25,000
Up to $1,100 per injury/illness for initial orthopedic prosthesis or brace
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-
Up to $650 per injury/illness
-
Up to $5,000 per injury/illness
Limited to $50 per visit, one visit per day and 12 visits per Policy Period
None
None
Acute onset only up to policy maximum ($25,000 for cardiac or stroke).
-
Included
-
Same as any other eligible medical expense
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Up to $450 (Up to $250 for $25,000 policy maximum) as long as for injury or for admitted as in-patient for illness.
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Up to $40/visit($25/visit for $25,000 policy max.), 1/day, 12 visits
Must be ordered in advance by physician.
None
None
Optional. $5,000 ($2,500 for 70+) for hospitalization due to heart attack or stroke.
Included
-
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair
$50 per incident deductible, $150 maximum (plan deductible waived)
Optional: Adventure Sports, available for ages under 65.
To policy maximum for illness that results in hospitalization as inpatient or for injury.
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To policy maximum
Must be ordered in advance by physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
Acute onset only, for persons under 70: Medical to policy maximum. Medical evacuation up to $25,000.
Included
Dental
-
Up to $750 per injury/illness
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Up to $750 per injury/illness
-
Up to $550 (Up to $350 for $25,000 policy maximum)
$300
To policy maximum
Travel
Life
$5,000 for Felonious Assault
$25,000
$5,000 for Felonious Assault
$25,000
-
$25,000
$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family.
Other
Incidental: 30 days per every 12-month period. $2,000 maximum.
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$500
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Included
Incidental: 30 days per every 12-month period. $2,000 maximum.
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$500
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Included
Incidental
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Incidental: 14 days after 30 days continuous coverage
$250 per night, maximum of 10 nights. Not available in U.S.
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included
Plan Features
Before or on effective date, full refund.
After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 364 days maximum
$0
$0
Private Duty Nursing: $450
Political Evacuation: $500
Online
Per Incident
$0 Up to 69
$50 Up to 69
$100 Up to 69
Per Incident
$25,000 Up to 69
$50,000 Up to 89
$75,000 Up to 69
$100,000 Up to 89
$175,000 Up to 69
Surego Administrative Services
Zurich Insurance Europe AG Belgian branch
Before or on effective date, full refund.
After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 364 days maximum
$0
$0
Private Duty Nursing: $450
Political Evacuation: $500
Online
Per Incident
$0 Up to 69
$50 Up to 69
$100 Up to 69
Per Incident
$25,000 Up to 69
$50,000 Up to 89
$75,000 Up to 69
$100,000 Up to 89
$175,000 Up to 69
Surego Administrative Services
Zurich Insurance Europe AG Belgian branch
Before effective date, full refund.
After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum to 2 years maximum
$0
$0
-
Online
Annual
$0 Up to 69
$50 Up to 110
$100 Up to 110
Per Incident
$10,000 80-110
$25,000 Up to 79
$50,000 Up to 79
$100,000 Up to 79
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
Before effective date, full refund.
After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 2 years maximum
$0
$0
Personal Liability: $25,000
Bedside Visit $1,500
Political Evacuation and Repatriation: $100,000
Pet Return: $1,000
Optional: Cell phone coverage
Optional: Teladoc coverage
Online
Annual
$0 Up to 110
$100 Up to 110
$250 Up to 110
$500 Up to 110
$1,000 Up to 110
$2,500 Up to 110
Lifetime Maximum
$10,000 80-110
$50,000 Up to 79
$100,000 Up to 79
$250,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
- This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
- For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
- Coverages shown are per person unless noted otherwise.
- The dash (-) in the fields above means Not Applicable (N/A).
- Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
- Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
- For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
- Coverages shown are per person unless noted otherwise.
- The dash (-) in the fields above means Not Applicable (N/A).