In the United States, medical care can be expensive. If you’re visiting from another country and don’t have health insurance coverage back home, you’ll need to consider all your options to ensure you get the care you need while staying within your budget. Here are five of the most popular health insurance options for visitors in the USA.
1) Short Term Health Insurance – Health Insurance Options For Visitors In The USA
Short-term health insurance plans are designed for brief gaps in coverage. Typically lasting no longer than three months, these plans require little to no paperwork and can be quickly purchased online. Short term health insurance is usually more expensive but is a good option for those who are in between jobs or have an upcoming vacation coming up. Like any plan, it’s important to do research and compare premiums and deductibles before deciding on a short term health insurance plan.
If you’re a visitor in the USA with plans to stay for more than three months, you may want to consider buying a longer-term health insurance plan. These plans are designed for people that live in one area permanently and typically come with lower deductibles and premiums compared to short term health insurance. Still, it’s important to compare your options before making a final decision.
2) Long Term Health Insurance
If you’re looking for coverage that lasts more than a year, long-term health insurance might be right for you. It’s designed to bridge gaps in coverage, typically when a person has a lapse in their other health insurance plan—for example, if you lose your job and therefore your healthcare benefits, or if you take an extended leave of absence from school. After its term is up, some of these plans can transition into temporary medical insurance. One downside?
Long-term health insurance plans can be expensive compared to traditional plans and health insurance exchanges. But if you anticipate a significant gap in coverage, they may be worth considering. A great benefit of these plans is that they often cover pre-existing conditions and routine healthcare costs on top of major medical expenses—something many exchange plans won’t do.
3) Residency Based Plans
If you’re here for a temporary stint and have a resident-based status, you can apply for coverage under one of your state’s health insurance programs. You may have to show proof that you have lived in your state of residence for at least six months before being eligible. Some states also offer free or low-cost insurance to children through Medicaid. When applying, you must provide information about your income (including taxes paid) as well as your immigration status.
To determine whether you qualify for one of these programs, you’ll need to look at your immigration status. If you have temporary work authorization, such as a student visa or an employment authorization document, you may be eligible for some insurance options. On the other hand, if you are in the U.S. on a non-immigrant visa and have been here less than five years (without renewing it), you may not be able to get insurance based on your residency in your state.
4) State Marketplace Plans
All states have a health insurance marketplace and most have several plans to choose from. Before purchasing your plan, make sure you do your research and know what you are getting into. To get started, visit healthcare.gov or your state’s official site for more information on health insurance in your area.
Keep in mind that there are various types of health insurance, each with its own pros and cons. Private insurance tends to cost more than public options but gives you a wider range of services; government-sponsored programs like Medicaid typically have lower monthly rates but aren’t as comprehensive. All plans offer basic coverage, but it is important to understand which additional benefits (such as dental or vision) are included before making your final decision.
5) Traveler’s Medical Insurance – Health Insurance Options For Visitors In The USA
Traveller’s medical insurance plans are specifically for visitors to America. Most major providers like
and United Healthcare offers them and they tend to be relatively cheap. These plans cover a number of your medical costs while you’re here, but they only kick in when you visit another country. Not great if you’re planning on visiting more than one country during your trip!
If you’re planning on travelling to more than one country, a travel medical insurance plan could be a better option. It’s less expensive and doesn’t exclude any countries like single-country visitor plans do. And unlike some international health insurance plans, travel medical coverage is not just for emergencies—it can be used for preventive care as well.
Healthcare marketing tips – Learn more