Health Insurance for B-1 & B-2 Individuals

The B-1/B-2 Visa allows an individual to come to the Untied States on a temporary basis. The B-1 is usually associated with business. The B-2 is used for tourism, vacation, medical treatments and participation in amateur sports, etc.

The first question we commonly get is can we get health insurance for an individual or family on this Visa? Short answer-Yes.

The most important question we need answering though is how long an individual will need coverage. If its only a short period of time a short term major medical should be sufficient. If it, its longer than six months a more permanent policy would a better solution.

Some of the carriers that provide short term major medical include International Medical Group, National General and United Healthcare.

For questions on B-1/B-2 Health Insurance please contact Evan Tunis at 800-974-5077.

Can an Asylum Applicant Qualify for Health Insurance?

As a sponsor of AILA (American Immigration Lawyers Association) we get frequent questions from immigration attorneys regarding whether their clients can qualify for coverage. There is much confusion on this, so we thought we’d dig a bit deeper on this.

The Health Insurance Marketplace(Obamacare) allows quite a bit a lot of immigration statuses the ability to get coverage. This includes not only Legal Permanent Residents but also EAD (Employment Authorization Document), Refugees, Cuban/Haitian Entrant and Lawful Temporary Residents.

Clients are usually asked to provide proof to the marketplace that will need to be verified. Failure to provide documentation could result in the policy being termed.

While coverage can be obtained the ability to get a subsidy can be more difficult. In 2018 an individual will need to make over $13,000 to get a subsidy to help offset the costs of the insurance. If a client makes under this depending on the state, they may not be eligible for any financial assistance. In addition, if an individual makes more than 400% of the poverty level they are not eligible for any financial assistance as well. For new immigrants it is our experience that the marketplace will most likely ask for proof of this income. This can be a challenge since many do not have pay stubs or a W-2. The marketplace could thus strip the subsidy away making coverage unaffordable.

For clients who do not qualify for financial assistance we advise always going private. The plans are stronger and there is no burden of proof for income. In addition, you do not need to worry about your information going into the federal governments database.

For any questions on an individuals’ options please contact Evan Tunis at 800-974-5077.

In Interview with Michelle Tunis, VP of E&M Global

Today we will take a few minutes talking to the secret weapon of E&M Global Insurance, Michelle Tunis.  Michelle has a unique path that led her to E&M and her passion is evident.

So, tell us a bit about your background?

I was born in Peabody, Mass but moved to South Florida when I was 2.  I’ve traveled quite a bit, yet always found Florida to be where I feel most at home.  I am an only child, so you can say my friends are like my sisters. 

My dad would travel a lot on business leaving  my mom and I home alone quite a bit.  My mom has a lot of health issues and all I wanted to do was help her.    It’s  was back then that I decided that whatever career I chose I would help people.

What sort of health issues did she have?

She suffers from rheumatoid arthritis and unfortunately there is no cure.  She often would be holed up with a month for a neck surgery, followed by an elbow or foot-injury.  Its truly an  awful disease.  Yet through it all she remained positive and happy.   She is the strongest person I know.

What did you get your degree in?

I started my undergrad at Everglades University.  I received a Bachelor’s Degree in Alternative Medicine.  I also wanted to help individuals like my mom and this was a perfect place.  Following my graduation, I decided  to become an acupuncturist.  I was accepted and enrolled at ATOM (The Atlantic Institute of Oriental Medicine).  Upon graduation, I opened my own practice working with many individuals including athletes helping them with whatever ailments they had.

What did you learn most about being an acupuncturist?

The first thing is that you can have all the knowledge in the world about acupuncture but you need a  solid business plan to succeed.  I was learning on the fly and it was difficult.  The other thing is that you need to accept that you are  there to help as best as possible.  No matter how many sessions or therapyies there are some issues that go beyond your scope.  It was an amazing experience and I wouldn’t trade it for anything.

How did you come to work with E&M Global?

After a few years of being a full-time acupuncturist I needed flexibility to take care of my young child.  I was offered several positions, but the time value wouldn’t have worked.  It was then  I was recruited by Evan Tunis.

How exactly did that happen?

Well he did a lot of begging…LOL.  Seriously, we had a conversation where he laid out the mission statement of the company and where I could fit in.  I’ve always been an extrovert and him an introvert(Yin/Yang) so naturally it fit.  It also fit my definition of helping people which is what I want to do in life.

What is your role with E&M?

My role is to be the marketing guru for all your actions whether it be Facebook, YouTube, etc.   In addition, I regularly attend meetings with the Brazilian Business Group, AILA (American Immigration Lawyers Association) and many other trade groups. I love educating and communicating our message to prospective clients as well our referral partners. 

Final question Michelle, where do you see E&M Global in the next five years?

We firmly believe that we will become the top agency for our market.  We are beginning several different initiatives that we believe will accomplish this. 

Some Thoughts from the 2017 Nebraska-Iowa AILA Conference

On Friday October 6th E&M Global Insurance had the pleasure to sponsor the 2017 AILA Nebraska-Iowa Conference.  The event featured most of the prominent attorneys from these states and the speakers were top notch.

Amongst the conversations were ethics, Visa updates and a conversation with several judges who usually rule on these immigration cases.

Among some of the things we learned was just how long an actual Visa could take.  Several of the attorneys remarked how it starts at 4 YEARS!! That is scary to think your future could be tied up for so long.  Another item was that there were only about 10,000 Visa’s approved in a year.

Anyhow E&M learned a lot and we are excited to be partners with this esteemed group.

E&M Global Insurance to Sponsor the AILA Central Florida Chapter’s Annual Conference

For Immediate Release:

E&M Global Insurance (the premier agency for international health/life insurance) is proud to announce their sponsorship of the AILA Central Florida Chapter’s: 31st Annual Immigration Law Conference.

The event held in Orlando from October 26-28th  will feature some of the top minds in the immigration field.

Evan Tunis, owner of E&M Global Insurance, “We are excited to continue are ongoing relationship with the American Immigration Lawyers Association.  We have gotten tremendous feedback from the annual conference in June and are excited to sponsor a conference in our backyard.  This will be another ideal venue where we can inform and educate about the benefits of our services.”

For more information on E&M Global Insurance please contact Evan Tunis at 800-974-5077.

Over 65(Non-Medicare) Health Insurance

For many individuals over the age of 65 and coming to the United States health insurance can be daunting.  To start with most over 65 are covered on Medicare.  Since individuals do not haven enough credit to qualify for Medicare this is not an option.  What does an individual do over age 65 but not on Medicare?

  1.  Seek an expat insurance policy that will cover them here in the United States.
  2.  Go to Healthcare.Gov and buy an overpriced/crappy network plan.
  3. Go without insurance.

As you can see only options 1 & 2 would be ideal.  We work with every carrier on an off the exchange and all expat insurance policies so we can custom tailor a soluton to your insurance needs.  Please give me a call at 800-974-5077.

Evan

Comparison of E-2 vs. EB-5 Health Insurance Options

Comparison of E-2 vs. EB-5 Health Insurance Options

E-2 and EB-5 are two of the more popular options for individuals looking to invest and or start a business in the United States.   Before we get into the differences in healthcare options lets explain a bit the differences.

The EB-5 visa gives foreign entrepreneurs and investors the opportunity to secure a green card for themselves and their immediate families for investments that stimulate the American economy; based on significant capital (500,000) in a new commercial area with the investment at least guaranteeing 10 full time jobs.

The E-2 Visa does not provide for a green card.  It is less expensive than an EB-5(100,000) investment o and the application process is much faster.  Besides the upfront costs many individuals prefer this visa as they do not want to become U.S. Citizens due to a myriad of reasons including taxes.

EB-5 vs E-2 Healthcare Options

Now that we’ve explained the differences in the visa types lets go over the differences for health insurance.

For an EB-5 individual they have access to all ACA (Affordable Care Act) plans on and off the federal exchange.  Coverage is permanent and not based on their medical history.  With all the changes in healthcare options are not as vast as in the past.  In most cases ACA plans will only cover you in your state and leaving that state will find you out of network.

For an E-2 individual finding permanent coverage may be a bit more difficult.  At E&M we believe that permanent insurance should be sought in most cases.  Since ACA plans may not available we have solutions that provide high quality insurance coverage anywhere in the United States.

Conclusion

Individuals who are applying for EB-5/E-2 visas are used to high quality care.  Whiter they are investing 100,000 or 1,000,000 it doesn’t matter to us.  We just want to make sure we are providing them the strongest medical care possible that covers them when in need.  To not offer this is putting your biggest investment(you) at risk.

For a quote on an E-2 or EB-5 health insurance policy please call Evan Tunis at 800-974-5077.

#EB5 #E2 #immigration #investmentvisa #emglobalinsurance #healthinsurance

The Benefits of Dual Citizenship

A few years ago, it was rare to have dual citizenship.  Now it has become more popular to own one, two or even three passports.

What are some of the benefits:

  1. Freedom to Travel
  2. Freedom to Open a Business in a Foreign Country
  3. Freedom from Taxation
  4. Health Insurance

For example, let use the country Malta.  Malta which is one of the most popular passports to get.  The reason for this is private equity or hedge funds can benefit from a friendly tax regime.  In addition, a passport in Malta also gives the individual eligibility to work anywhere in the European union.

For health insurance, the benefits could be vast.

For example, an individual who Is a U.S. Citizen who spends quite a bit of time in Germany can pay less than 50% then his counterpart in the United States.  Are the benefits different?  No.

The reason for this is the price of healthcare.  If you are in a country where healthcare is cheaper like Germany or Canada your premiums will also be cheaper.

In conclusion, it may make sense for an individual to get dual citizenship depending on circumstances.  At E&M we only specialize in life and health insurance for these individuals.  For a quote on an international health policy please call Evan Tunis at 800-974-5077.

#emglobalinsurance #eb5 #dualcitizenship

Temporary vs Permanent Insurance for Expats

When shopping for health/ life insurance for an individual moving to the United States it is important to consider whether the plan is permanent or temporary.  But Evan, I thought all plans were permanent?  Not quite….

When an individual is not a resident they can have their choice between a temporary and permanent policy.  Why might an individual want a temporary policy?  For a myriad of reasons including only being in the United States for a short period of time, waiting on resident status to jump on a group plan or just not being aware that policy has an expiration date.

Another reason is price.  Generally, a policy less than one year in duration will be less expensive than a permanent policy.  This makes sense when you consider a carrier just has to accept the risk for a short duration of time and the longer you are on a policy the higher the risk to the carrier that some illness or injury will occur.  Under a permanent policy the carrier auto renews you at the end of your contract year.  The carrier CAN NOT cancel you for injuries and claims (unlike car insurance).

For an analysis of permanent and temporary options for new immigrants or expats please give E&M Global a call at 800-974-5077

#EB5 #immigration #emglobalinsurance #expathealthinsurance #EB5visa #permanentinsurance

Fiance Visa(K-1) Health Insurance

Fiancé Visa(K-1) Health Insurance

A K-1 is a nonimmigrant visa that permits an expat of a U.S. Citizen to travel to the United States for marriage.  The marriage must be done within 90 days of their admission to the country.

For individuals looking for health insurance for their expected spouse this could create a significant issue and could threaten their Visa status.  I’ll explain further below.

As a newly arrived individual in the U.S. finding quality health insurance could be difficult.  Most of quality carriers (Non-Obamacare) will require the person to be a resident of the U.S. for 6 months. Many carriers also ask that the person to be a lawful U.S. Citizen or permanent resident.

At E&M Global Insurance we seek permanent solutions to this issue.  We believe an individual should have high quality PPO coverage from day one.

In addition, after speaking with many immigration attorneys having a health insurance plan already in place may help your chance by getting your visa more easily approved.  The government is wary of individuals coming in and being a drain on the health care system.  By having insurance, it shows them that no you are pro-active and this won’t be an issue.

To learn more about insurance for a Fiancé please give Evan Tunis a call at 800-974-5077.