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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?)

Comprehensive Coverage Plans

Recommended (Why?)
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Patriot America® Plus

Underwriter: Sirius International

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.

Acute onset of pre-existing conditions (including cardiac) coverage to policy max for ages <70

Direct Billing: Through United Healthcare PPO Network

Comprehensive Coverage Plans

Recommended (Why?)
Minimize Maximize

Patriot America® Plus

Underwriter: Sirius International

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.

Acute onset of pre-existing conditions (including cardiac) coverage to policy max for ages <70

Direct Billing: Through United Healthcare PPO Network

Minimize Maximize

Patriot Platinum America

Underwriter: Sirius International

Minimize Maximize

Patriot America®

Underwriter: Sirius International

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

Domestic Short Term Health Insurance

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 are not 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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