The Most Frequently Asked Questions We Get About International Health Insurance

FAQs about International Health Insurance

I’m a legal U.S. resident but not a citizen. My job doesn’t offer health benefits. What can I do?

We can get you health coverage! Legal U.S. Residents have the same eligibility as citizens to receive coverage through the ACA, along with income-based subsidies. Another great option we offer is short-term health insurance, which is great for those who are still unable to afford an ACA-compliant plan.

I live in another country right now but we don’t have health insurance for the time we’re back in the states. What kind of insurance can we get?

The fantastic news is that E&M Global Insurance offers insurance plans customized for YOU! Whether you were born outside of the U.S., we offer unique, affordable, worldwide coverage specially designed for those who work and live abroad. This long-term global insurance has some great perks like PPO insurance, no policy expiration date, no special enrollment period, applicants can receive approval within 24 hours, and coverage begins immediately. You also don’t need U.S. Visa or Social Security Number. Whether you are traveling for a few months or a few days, we can make sure you’re covered during travel, stay, and return.

Will my pre-existing medical conditions be covered by my international health insurance plan?

Well, the short answer is — every application is different. International health insurance plans typically have an underwriter working for the insurance company review your medical history and determine whether or not they can insure you. Either they will approve the application as is, limit or exclude the pre-existing condition, or add a premium to cover the additional risks associated with the pre-existing conditions. Or they may simply deny the policy. At E&M, we take extra care to ensure our clients receive not just health insurance, but the best possible health coverage to suit their needs.

I’m at risk of becoming a public charge. What are my options?

If you’re at risk of denial under the DHS public charge rule, a perfect solution to avoid public charge is Short-Term Medical Insurance. There is no open enrollment period (you can apply at any time), and most plans can last anywhere from one month up to thirty-six months. Although these plans do not cover pre-existing conditions, immigrations consider these plans “positively” when using the public charge test.

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.

Inflation & Your Health Insurance Costs

Inflation… We understand the concept-goods purchased now could be more expensive in the future. For example, 30 years ago a cup of coffee cost 25 cents. That same cup of coffee will now cost your $3.00 at Starbucks.

On the reverse side things like televisions and laser eye surgery have gone down in price.

We discovered the chart below and made a point to show it to all our clients.

The chart illustrates inflation form 1997-2017. Items such as TV’s, clothing and toys have gone down in price. What’s gone up is housing, childcare and #1 hospital costs.

Why is this important?

This is important due to the fact many policies being sold today have limits for hospitals. Such companies as U.S. Health Advisors, Liberty Health etc. offer protection in a hospital that will leave an individual bankrupt.

E&M Global Insurance makes sure our clients are properly insured. This includes plans with no caps for hospitals and a myriad of benefits. If you have any questions do not hesitate to contact us.

What is E&M Global Insurance?

E&M Global Insurance exists to humanize the transaction of insurance.

As a leader in international health insurance and 15 years in domestic health insurance we understand the right questions to ask to simplify the insurance process.

Feel free to ask me to review any of your insurance needs including small business group, individual and international insurance policies.  If you have and questions we are here to chat or call anytime.

20 Days Left in 2018 Health Insurance Open Enrollment

 

Hello Everyone,

I hope you all had a fantastic Thanksgiving for you and your family. If you’re not aware we are more than 50% done with health insurance open enrollment for the year 2018. This is the only time of the year when you can change plans, add or remove a spouse or find new coverage.

We work with most carriers nationwide and can guide you or your clients in this important time. Choosing the wrong plan can have devastating consequences for years to come.

E&M Global Insurance will NOT be taking any days off between now and December 15th to give everyone proper time to find a new policy. Please call at 800-974-5077 or send me an email at Evan@EMGlobalInsurance.com and we’ll get started.

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.

Insure Your Children When They Are Studying Overseas

For many of our clients that are coming into the USA on a J1 visa we need to find proper coverage in the United States.  But what if it’s the reverse.  What I am describing are United States citizens studying abroad for an extended period overseas.  Such places as India, Panama, France, etc.

The common issue we find is that people don’t know where to go for these plans and what they cover.  Many assume that their current policy will be enough coverage however most have very limited benefits outside of the network especially overseas. In addition, a traditional U.S. plan will not pay to be emergency evacuated outside of the country back to the United States.

The good news is that we can insurance students overseas no matter the age in a high-quality PPO product.    Plans can be custom tailored and age of the child shouldn’t be an issue.  This was a huge issue recently when we had a case of a 13 Year old studying in India.  The client had simply given up that he could find his daughter a good plan.  Within a few hours we were able to find a permanet policy for an affordable rate.

In addition, E&M Global will seek additional savings and make sure that such benefits as medical evacuation are included on all products.  We understand how scary it is for your children to be overseas.  Having to worry that they are not properly insured shouldn’t be a concern.

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

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