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H1 and H4 Visa Medical Insurance

H1 and H4 Visa Medical Insurance

What is H1 visa and what is H4 visa?

H1 visa holder is eligible to stay and work in the U.S. for a limited time. Their dependents (spouse and minor children) can get H4 visa to accompany them but do not get a social security number and are not eligible to work.

Please refer to Immihelp H visa section for complete information.

Who is considered U.S. resident? I am on H1 visa which is temporary worker. How can I be a U.S. resident?

In general, whoever lives in the U.S. is a U.S. resident. There is no precise or universal definition of U.S. residency. Different U.S. government agencies take the position that is suitable to them.

E.g., IRS (tax department) indicates that the person who stays in the U.S. 6 months or more in the year is a U.S. resident. However, Department of Homeland Security (immigration department) says that the persons with the green card are permanent residents while H1 visa holder is a temporary worker and their spouse is temporary resident as well.

However, for health insurance purposes, most companies do not consider the possession (or lack of) green card as the criteria for being U.S. resident. Each company has their own rules and within each company, it may vary by states. (Remember, United States is not united for insurance purposes.)

Therefore, if you have been living in the U.S., you are U.S. resident. Most states would consider you U.S. resident after you have already lived in the U.S. for 6 months. Please note that, even for filing tax returns, you file Form 1040, and not Form 1040-NR which is for non-U.S. residents.

In short, green card and residency are two separate things.

What is visitors insurance?

Visitors insurance is the international travel medical insurance for persons temporarily visiting the U.S. The insurance products listed in the visitors insurance category themselves are not limited to visitors visa holders only. However, the visitors insurance category is used for such plans because visitors are most likely to qualify for them. However, some of the same plans could be used for international students on OPT who recently graduated, and that would be called OPT insurance. Similarly, some of those plans could be used for new immigrants to the U.S. and therefore called new immigrants insurance. Of course, everyone is not eligible for all the plans. Simply for the ease of referring to such plans, we will use the term visitors insurance for rest of this web page, even though some of the products are strictly not for visitors only.

Who is eligible for visitors insurance?

Anyone who is not eligible to get the domestic health insurance in the U.S. due to age, citizenship or residency is eligible to purchase visitors insurance.

My employer provides health insurance to employees, but it is very expensive. Can I buy visitors insurance?

No, you must buy the insurance through your employer.

I can't afford the premiums for the health insurance provided through my employer. Can I buy visitors insurance?

Affordability is not the criteria for eligibility to purchase visitors insurance.

My employer covers myself but they don't pay for my dependents and it is very expensive. Can I buy visitors insurance?

No.

My employer does not offer group health insurance. Can I buy visitors insurance?

It depends. If you are able to get individual health insurance, you need to buy that.

Individual health insurance plans are too expensive. Can I buy visitors insurance?

No. As long as you are eligible to enroll into domestic health insurance plans, you need to buy them.

But why can't I buy visitors insurance, if I am eligible to purchase domestic health insurance?

That is because that is how the insurance companies offering visitors insurance are set up and licensed to offer.

I am on H1 visa and my wife will be joining me soon. However, my employer has a waiting period before I can enroll into their group health insurance. Can I buy visitors insurance?

Possibly. If she is not yet in the U.S., you can purchase for a short duration. If she is already in the U.S., again, it depends upon whether she is eligible for any other domestic health insurance, short term or long term.

I have seen several web sites where they clearly mention that I can purchase XYZ visitors insurance plan while on H1 and H4. I am really tempted to purchase XYZ insurance plan, because it is really low cost and I believe it would fit my requirements. However, according to your FAQ here, it seems that I would not be eligible to purchase. Who is right?

We, as a broker, work in your best interest. And our first priority is to offer you the insurance plans that you are eligible to purchase and in turn will pay the eligible claims when you are sick or injured.

Most likely, we also offer the same XYZ insurance plan. However, we would not just want to sell you something that you are not eligible for. It is in no one's best interest. Please note that the insurance is simply a piece of paper until you really need to use it. At the time of claim, if they determine that you were not eligible to buy the insurance, they would simply cancel your policy and return your premium, instead of providing you the coverage. You would be left without any coverage, when you really need it.

By telling you that you are not eligible to purchase something that we also sell, we are simply turning away the business. However, that is in your best interest and shows our commitment to you.

I saw several plans in your expatriate health insurance section and I would like to purchase one of them. I also talked to one of the agents (not your office) and he indicated that I could purchase those plans if I am on H1. Am I eligible to buy it?

Almost all those plans are only meant for those who are non-U.S. residents, that is those who spent more than 6 months outside the U.S. They are not meant for U.S. residents. Just because you are H1 or H4 does not automatically make you non-U.S. resident, as explained above. Those who advise you otherwise simply are not aware of complexities of the U.S. immigration system or just want to sell you something that you are not eligible for.

As we already offer those plans to who are eligible, and we are indicating that you are not eligible to buy them, you can be certain that there is no other intention than to provide you the correct information.

I am applying for one of the plans listed in your expatriate health insurance section and it asks for the home country address. I am from India, for example. Should I enter the U.S. address as my home country address or the India address?

Home country is the place where you live. Just because you are on H1 visa does not automatically mean that you are not a U.S. resident. Again, green card (permanent resident card) is a separate matter from the U.S. residency. Just because you are a citizen of India or were born in India, it does not automatically mean your home country is India. Even after you get your green card, become U.S. citizen, most people will still refer to you as Indian, and that it does not automatically make your home country as India. Even your U.S. born children and their grandchildren will still be referred to as Indian people, but that does not mean that their home country as India.

If you are in the U.S. on H1 visa, in most cases, your home country is the U.S. You live in the U.S., have a driver's license in the U.S., have a house, apartment or condominium in the U.S., you pay taxes and file U.S. resident tax returns in the U.S., and pretty much do most of the same activities just like any other U.S. citizen.

If you put your home country as the U.S., you will not be accepted in most plans. Even if you are accepted initially in some plan, you will not be allowed to renew your insurance. In most cases, the insurance agent will have to sign an affidavit that he/she diligently tried to obtain the insurance for you from at least three domestic health insurance companies that are licensed to do business in your state, but declined to offer you the insurance. Only then, you would be able to have such insurance as this insurance is not meant to be purchased by those who are eligible to purchase domestic health insurance in the U.S. In some case, the insurance agent may ask you to sign the affidavit that you tried to obtain the insurance from at least three companies but couldn't. Do not sign such an affidavit unless it is really true.

Do not put your home country as India simply to attempt to get insurance coverage.

If you don't do everything correctly and truthfully, at the time of claim, the insurance company would simply reject your claim and instead state that you misrepresented the facts on your application and cancel your insurance and not pay any of the claims. Believe us, it has happened in the past.

My wife is joining me soon on H4. However, she is pregnant. What health insurance can I buy for her?

Check with your employer whether she would be eligible to enroll in their group health insurance and whether there would be any waiting period before the maternity expenses would be covered. Even if that plan is expensive, that is your only choice. You will not find individual health insurance anywhere in the U.S. market that would cover pregnancy related expenses for someone who is already pregnant, as it is a clearly loss to the insurance company.

If that is not an option, you would have to be ready to pay all the expenses out of your pocket. If that is not an option, it would be the best if she delivers the baby in her home country before traveling to the U.S. However, if you want to deliver the baby in the U.S. so that he/she is U.S. citizen, you will have to pay the expenses yourself. Someone else is not going to pay so that you can get the perceived benefits of baby being U.S. citizen.

My wife is currently not pregnant. However, we are planning on expanding our family. Do you have family health insurance that would cover maternity?

Check with your employer to see if they provide group health insurance that would include maternity. That is pretty much your only option.

Even without maternity coverage, it is already difficult to get individual health insurance for H4 visa holders in most U.S. states because they don't have social security number.

My employer's group health insurance is quite expensive. Even the individual health insurance is quite expensive. Do you have any affordable alternatives?

Healthcare expenses are very high in the U.S. and therefore, health insurance is very expensive. Therefore, you will have to get used to pay high premiums. There is no other alternative. You can only purchase what is available in the market, provided you are eligible to purchase it.

Consider working for an employer who is wiling to pay a major portion of your health insurance premiums.

I am on H1 visa. I was covered by my employer's group health insurance. I have switched to a new employer and there is a waiting period before I can get on to their group health insurance plan. Can I buy visitors insurance?

No. Consider purchasing domestic short term medical insurance instead. If you are in a state where domestic health insurance is not offered (such as NY, NJ etc.), you are out of luck.

I am still not convinced. I have seen several web sites where they have a specific H1 visa health insurance and they have specifically listed the products that you claim that I am not eligible to purchase. How is that possible?

Please read all of the above discussion again and show it to that agent and educate him. Either they don't know what they are doing or are hoping that you will not find out. Please note that we are among the largest brokerage firms in the U.S. for visitors insurance plans, and we have nothing against those plans. We, as a broker, are here to sell you insurance, but only if you are eligible to purchase.

If you are still not convinced, please buy the insurance from somewhere else, not from our web site if you are not eligible for it. Please remember that you are just getting a really expensive piece of paper, not an insurance. And we wish you a lots of good luck.

I am not on H visa but on L visa. What are the options in that case?

All the discussion and FAQ above applies to H visa as well L visa and even R visa.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don’t need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

If you have read and agree to the terms of both Notices: California and Cuba, please click the continue button if you wish to complete the application process. Otherwise, please click cancel to abort the application process.

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

If you have read and agreed to the terms of this notice and wish to continue, please click the continue button. Otherwise, please click cancel to abort the application process.

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

I certify that I have read the above and that all individuals applying for coverage qualify for travel authorized under one of the general licenses per US Treasury regulations.

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