Inbound Immigrant Medical Insurance

Product Review

A summary of coverage, limitations and exclusions is available from the quoting link. If you wish to submit comments to be incorporated into the review, please e-mail us. We appreciate your feedback.

Pros

Private insurance enables access to the U.S. health care system. Without insurance, immigrants experience major difficulties obtaining appropriate medical care, according to a June 2011 article in the Stanford Journal of Public Health.

Cons

Not available to U.S. citizens who are returning to the U.S. after living in another country. Initial enrollment must be made during the first two years in the U.S. and coverage can remain in force for up to five years.

Long term coverage of immigrants is still a major problem. A July 2011 report by Rutgers Center for State Policy said that 70% of the adults not born in New Jersey had no health insurance. The trend could likely be extrapolated to the rest of the United States (except Massachusetts where a special Medicaid program is  available to immigrants and health insurance is required by law).

Forms in PDF format for download

All available forms can be found by following the quote and enrollment link above.

Summary page

News

October 2, 2011 - This research abstract and accompanying video finds that health insurance is a critical cause of differences between immigrants and non-immigrants in access to primary care.

September 14, 2011 - The Better Business Bureau warns of scams targeting immigrants seeking U.S. citizenship. The article posted at http://www.bbb.org/us/article/Immigrants-Jammed-in-a-US-Citizenship-Scam-28491 includes references to consumer protection materials written in Spanish as well as a list of reliable resources of guidance for immigrants.