K-1 Visas Explained

K-1 Visa

If you’ve binged-watched 90-day fiancé like the rest of us, you probably already have an idea of what the K-1 visa is. For those who have not heard of it, the K-1 visa is issued to finance a United States citizen to come to the United States for 90 days or less with the goal and intent of getting married. At the end of the 90 days, the fiancé will need to either marry the U.S. citizen petitioner or leave the United States.

At E&M Global, we can help you with options for a K-1 individual:

Short Term

Depending on your state, we can pursue a short-term major medical product covering large medical expenses and provide negotiated rates for things like doctor visits. Usually, these short-term policies are written as a 3-month term with the option to extend another 3-months, making it a 6-month policy. Short-term major medical is a great option for a K-1 individual and less expensive than an ACA policy.

Long Term

If the K-1 individual is looking for a more permanent policy, we can provide health care as well. If not in the open enrollment window, then an Expat policy should be considered. Expat policies cover wellness exams, hospitalization, doctor visits, medications, and more. Unlike ACA plans, these plans are usually cheaper and often offer superior benefits. However, one should note that it does not cover pre-existing conditions, so be sure to let one of our agents know before making any decisions!

Regardless of whether you’re coming to the United States on a K-1 Visa, you’ll need a fantastic health insurance plan. At E&M we have contracts with all carriers and can properly advise you on your best options! Give us a call today!

J-1 Visa Insurance Plans

J-1 Visa Insurance















At E&M Global, we’re proud to sponsor the American immigration Lawyers Association (AILA) and thoroughly educate our agents about Visa types and the individuals who apply for them. Today, I wanted to chat about our most common Visa application, the J1 Visa.

What is the J-1 Visa?

A J-1 Visa is for an individual who is coming to the United States to enroll in work or education-based exchange programs. These programs are sponsored by an educational or other nonprofit institution, which must be accredited through the Exchange Visitor Program designated but the U.S. State Department.

What are J-1 Insurance Requirements?

Unlike other Visa applications, a J-1 Visa applicant must meet specific insurance requirements:

  • Acquire medical benefits of at least $100,000 per accident or illness
  • A deductible not to exceed $500
  • Repatriation of remains in the amount of $2500
  • Medical Evacuation of the J1 individual to home country in the amount of $50,000

We believe a “bare bones” policy with these limits above is unacceptable; we insist our applicants are insured to the highest quality. For example, we ensure our clients have at least $1,000,000 of hospital coverage.

We want to make sure your experience is as hassle-free as possible — don’t hesitate to reach out to us for any questions! We’re ready to help!

Thinking of applying for an E-2 Non-Immigrant Visa? Here’s what you need to know

E-2 Non-Immigrant Visa

The E-2 nonimmigrant visa is perfect for those foreign nationals who are interested in starting a business in the United States. E2 Visas are notorious for their rigorous application process which can be stressful for many individuals. Thankfully we are here to help you with that process!

With an E-2 Visa, one may:

  • Work legally in the company that is the investment vehicle in the US
  • Travel freely in and out of the US
  • Stay on a prolonged basis with unlimited two-year extensions as long as you maintain E-2 qualifications
  • Be accompanied by your dependents under 21, relatives, and spouse. Your spouse may also work while in the US and your dependents may attend US schools, colleges, and universities and do not have to apply for a separate student visa.

In order to successfully obtain an E-2 Visa, applicants must:

  • Be a citizen of a country with which the US has a treaty, specifically for commerce and navigation. Citizenship is required. Simply being a permanent resident is not enough.
  • Prove the applicant has invested economically or is in the process of investing economically in a bonafide US business. This often requires extensive paperwork and might include the need for witnesses or statements from current US citizens. Prove the applicant is coming to the US solely for establishing, developing, or doing work for the business in which they have invested in.

Clearly, it’s not as simple as filling out a form. While this may be a great option for some businesspeople, it can be risky to fulfill all of the application’s requirements. The E-2 Visa also requires a substantial investment of capital in a viable US business. The applicant would be In the US on a temporary basis and must return home to their country upon visa expiration.

How E&M Global Insurance Can Help You with Your E-2 Visa

We understand the difficulties and stresses of starting or taking over a business. Our goal is simplicity. As leaders in international health insurance, we know the right questions to ask. We work closely with you to ensure only the best policies are made available to you. Having good insurance provides the peace of mind and security you need as you strive toward the establishment of your new business.

Questions? We’re ready to help you! Give us a call today!

Things to Consider When Buying International Health Insurance

Buying International Health Insurance

Global healthcare is quite different from domestic policies, and the purchasing an international health plan is not only challenging, but a big decision. We are here to help you choose the right coverage and offer a few things to consider when purchasing an International health insurance plan.

Do you require portable coverage? Many expatriates move from one country to another, so it’s important your international plan allows you to move from one region to another.

Does the Insurer Have a Large Medical Network?

It’s a good idea to choose a global health insurance provider with an extensive medical network, that way you don’t have to pay a ton of out of pocket costs when you need a claim.

Only Traveling For a Short Amount of Time?

If you are going abroad for only a short amount of time and don’t think you need an international healthcare plan can purchase travel medical insurance. This will cover emergency health care costs —  you can enjoy quality time while vacationing abroad!

Will My Pre-existing Medical Conditions Be Covered?

If you have a pre-existing condition, it’s important to declare these when applying for your international health plan. Failure to disclose this information could lead to your claim and/or policy being canceled.

The good news is — we can help you with this!  We provide private medical/health insurance for Expatriates and their families, EB-5 Investors and their families, those born outside the US, international students and those studying abroad, and US citizens and legal residents who travel internationally. We customize our insurance plans based on your needs. Questions? Give us a call — our agents are ready to help!

What To Do If You’re A Public Charge Risk

Public Charge Risk

Are you at risk of denial under the DHS public charge rule? A perfect solution for those looking to avoid public charge is Short-Term Medical Insurance.

Even if you’re a healthy individual, it’s still a good idea to purchase private health insurance plans like short-term medical. One of the benefits to plans like these is there is no open enrollment period — you can apply anytime. Most plans can last anywhere from one month up to thirty-six months. Although they do not cover pre-existing conditions, immigration deems these plans in a “heavily positive” favor when using the public charge test. Social security numbers are not required and STM plans meet the new requirements under the Public Charge Rule. Another huge benefit is the cost — short-term plans are priced significantly cheaper than traditional options.

Looking for suitable coverage to meet your new requirements? Give us a call. We can provide a number of options that will qualify under the new rule and help you with your application!

Predictions for the Global Healthcare Industry Post Covid-19

Healthcare Industry

Frost & Sullivan’s recent analysis of the global healthcare market post covid forecasts 2020 will be an unforgiving yet transformational year in the healthcare industry. As the world struggles with this global emergency, the healthcare industry should expect to see a drop in growth from 5.3% to .6% by the end of 2020, with revenues remaining below the $2 trillion marks.

Because of their analyses, Frost & Sullivan have revisited predictions and identified the top for the global healthcare industry post covid-19:

  1. The United States will have an excess of 100,000 ventilators, while Western Europe will purchase an additional 30,000-50,000. This uneven distribution across the world will not only redefine non-hospital and home critical care models but will also revive the mature mounting devices post Covid.
  2. Traditional models of in-vitro diagnostics testing in a healthcare setting are unable to meet unprecedented demand. By the start of 2021, the $5 billion point-of-care testings for the infectious disease market will drive the change in service models with alternate testing sites like pharmacies (CVS, Walgreens, etc.). These stores have already begun building the infrastructure to offer IVD testing at their locations.
  3. Virtual consultations by healthcare professionals will become the mainstream care delivery model post covid-19. However, reimbursement, physician training, and platform usability will be the key to recalibrating Telehealth.

Moving forward, healthcare IT companies are leaning towards AI platforms that predict pandemics, forecast patient volume, and drive the general well-being of the insured population through medication management and self-care enablement. Hopefully, through these analyses from Frost & Sullivan, companies can identify top growth opportunities as well as high-risk measures to help survive through the pandemic.

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The Biden Administration and Global Health Action Agenda

Biden Administration and Action Agenda

We’re several days into a new President with a new administration and a new global health action agenda, and trust us, this is long overdue. The pandemic has created major setbacks all over the world, and the Biden Administration is ready to not only implement structural changes and revitalize global health leadership, but rebuild the lost trust among global partners.

Right now, the administration plans to mobilize partners to fund the UN Covid-19 Global Humanitarian Response Plan (GHRP) designed to coordinate health and economic action in vulnerable countries.

Biden must also rejoin and rebuild the relationship with WHO, and strengthen not only the response to Covid-19, but all of the health challenges from maternal, child, and adolescent health to injuries, diseases, and universal health coverage. The Biden administration plans to coordinate with other member states to submit a World Health Assembly resolution doubling mandatory contributions to WHO.

Hopefully the US can remove and not add any more politicalization of WHO and maintain the scientific integrity and political neutrality.

The proposed action agenda is undoubtedly ambitious, but if successful will reap huge benefits. Hopes to emerge under the last administration with more global solidarity are prevalent, along with the opportunities to build a safer, healthier America.

Travel Bans and the US

Travel Bans and the US

As one of his last actions office,  former President Trump lifted the ban on travelers from Europe and Brazil, which was once targeted at stopping the spread of the coronavirus to the United States. The United States has been off limits to travelers from the UK for the last ten months.

However, aides from President Biden have indicated the restrictions will actually get tougher once he is in office. Concerns are growing over the emerging Covid variants, and the Biden Administration have responded quickly to announce they will reinstate the ban when Biden is sworn in on Wednesday.

Aides to President Biden made it clear having these restrictions lifted did not make any sense and have placed getting control of the pandemic on the forefront of their administration. In fact, the administration plans to not only reverse these restrictions, but strengthen public health measures around international travel.

So what does that mean for travelers wanting to come to the US?

Right now, travel to the United States doesn’t seem likely until the virus situation here is under control. It may be closer to several months than several weeks, but with the new administration attitude of caution tourism, it’s smarter to book a trip to America once the new stipulations have taken affect.

Questions? Give us a call!

Health Care Trends for 2021

If we learned anything from 2020, it’s that making any plans for the year ahead is just plain useless. However, there are some definitive trends that have emerged:

Rise In Digital Health

Healthcare has been behind other industries digitally — until now. The pandemic has forced many practices to adopt digital methods like virtual doctor appointments and drive-thru clinics. Telemedicine has become a thing of the norm these days with app-based prescription services, FaceTime Doctor calls, and even prescription drop offs.

This drastic shift to digital has given better access to care and introduced patients to a new level of expected convenience. However, this shift has also shone a spotlight on health inequity. Patients who lack the digital technology or access to affordable internet may be left to the wayside.

Focus on Swiftness and Adaptability

The pandemic hit most institutions like an avalanche on steroids in nearly every aspect of operations. Some services, like intensive care and diagnostic testing were overrun. Others were shut down as elective procedures were postponed. However some organizations pivoted, transitioning to remote operations, re-assigning and re-training staff, and were able to supply tools to ensure continuity.

Traditionally, most organizations have prepared for specific incidents like this. The pandemic highlighted the critical value of leadership and how well it was able to adapt to disruptions on this scale.

Digital Risks In A New Digital World

Data breaches have always been a concern but are now on the forefront in health care as its transitioned  digitally. Patients want confidence their privacy and health history is kept secure and confidential. Not surprisingly, health care saw a rise in high-profile ransomware attacks and now the industry has addressed the challenges that arise as virtual care increases. Measures have been taken to protect IT systems.

Overall, the pandemic has shown us that public health adaptability is crucial to the economic and physical well-being of the country. We continue to monitor the trends as the year continues and encourage you to reach to us with any questions or concerns you may have!