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New Immigrants Health Insurance
For new immigrants not eligible for domestic plans or are awaiting Medicare eligibility.
New immigrants health insurance is applicable to those who have newly immigrated to the U.S. or will soon be immigrating to the U.S. New immigrants health insurance plans are different from mainstream domestic insurance plans and they generally do not cover pre-existing conditions or preventive checkups. New immigrants health insurance is generally helpful in case of new medical conditions, injuries or accidents. Some of the new immigrants health insurance plans require underwriting, while others don't.
Important: For the plans that require Residence Address, you should specify an address outside the U.S.
Fixed Coverage Plans
Limited Coverage (How?)
| COVID-19 | Included |
After deductible, pays fixed amounts as per schedule of benefits.
Direct Billing: Depends upon provider No PPO. No contracted rates.
Acute onset of pre-existing conditions
coverage to policy max for ages <70
Comprehensive Coverage Plans
Recommended (Why?)
| COVID-19 | Included |
After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
US Urgent Care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network 
Acute onset of pre-existing conditions
coverage to policy max for ages <70
Comprehensive Coverage Plans
Recommended (Why?)
| COVID-19 | Included |
After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
US Urgent Care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network
Acute onset of pre-existing conditions
coverage to policy max for ages <70
| COVID-19 | Included |
After deductible, pays 75% to policy maximum.
Outside PPO Network: After deductible, pays 60% to policy maximum.
US Urgent care: $25 copay in-network, $50 copay out-of-network.
Walk-in Clinic: $15 copay in-network, $25 copay out-of-network.
Direct Billing: Through United Healthcare PPO Network
Pre-Existing Conditions
$25,000 up to age 69; $20,000 for ages 70 and older
| COVID-19 | Included |
After deductible, pays 100% to policy maximum.
Outside PPO Network: After deductible, pays 90% to $5,000, then 100% to policy maximum.
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible Waived, $15 copay; unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network
Acute onset of pre-existing conditions
US Citizens: Maximum of $1,000,000 for up to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens: For ages < 70, up to $1,000,000
| COVID-19 | Excluded |
After deductible, pays 100% to policy maximum.
Outside PPO Network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
US Urgent care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network
| COVID-19 | Optional |
After deductible, pays 100% to policy maximum.
Direct Billing: Through First Health PPO Network 
| COVID-19 | Excluded |
After deductible, pays 100% to policy maximum.
Direct Billing: Through First Health PPO Network
Fixed Coverage Plans
Limited Coverage (How?)
| COVID-19 | Included |
After deductible, pays fixed amounts as per schedule of benefits.
Direct Billing: Depends upon provider No PPO. No contracted rates.
Acute onset of pre-existing conditions
coverage to policy max for ages <70
Domestic Short Term Health Insurance
After deductible, plan pays 80% or 50% to out of pocket maximum, then 100% to policy maximum.
Direct billing: Through Aetna Open Choice PPO Network or Cigna PPO Network 
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Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling 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.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing 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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More