415-994-4121
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Diana Polyakov
415-994-4121
Medical Insurance for Greencard Holders Temporarily Visiting USA
Medical Insurance for Greencard Holders Temporarily Visiting USA.
'Greencard' refers to the permanent resident card for USA. A Green card allows the holder to stay in the US permanently. However, Green card holders have the flexibility to stay outside the US up to 6 months without needing to complete any paperwork. Additionally, the holders can stay outside the US up to 2 years with a reentry permit.
Some US citizens get green cards for their foreign parents; these elderly green card holders primarily stay outside the US and temporarily visit the US for few months a year, just like normal visitors do. In such cases, their home country is outside the US even though they are called 'permanent residents of the US' from an immigration perspective.
Green Card holders that routinely shuttle between their country of citizenship (or native country) and the US can purchase many of the same plans that international visitors can, but not all of them.
Even though the term 'temporarily' is not precisely defined, generally speaking if the person were to stay in the US more than six months in a year, they would not be considered 'temporarily' visiting. In case of any doubt, please refer questions to your attorney as we can't provide legal advice.
You can specify the US address for getting the insurance documents mailed. However, at the time of the claim, you must be able to provide permanent address outside the U.S.
Fixed Coverage Plans
Limited Coverage (How?)
| COVID-19 | Included |
After deductible, pays fixed amounts as per schedule of benefits.
Direct Billing: Depends upon provider No PPO. No contracted rates.
Acute onset of pre-existing conditions
coverage to policy max for ages <70
Comprehensive Coverage Plans
Recommended (Why?)
| COVID-19 | Included |
After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
US Urgent Care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network 
Acute onset of pre-existing conditions
coverage to policy max for ages <70
Comprehensive Coverage Plans
Recommended (Why?)
| COVID-19 | Included |
After deductible, pays 100% to policy maximum.
Outside PPO network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
US Urgent Care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network
Acute onset of pre-existing conditions
coverage to policy max for ages <70
| COVID-19 | Included |
After deductible, pays 75% to policy maximum.
Outside PPO Network: After deductible, pays 60% to policy maximum.
US Urgent care: $25 copay in-network, $50 copay out-of-network.
Walk-in Clinic: $15 copay in-network, $25 copay out-of-network.
Direct Billing: Through United Healthcare PPO Network
Pre-Existing Conditions
$25,000 up to age 69; $20,000 for ages 70 and older
| COVID-19 | Included |
After deductible, pays 100% to policy maximum.
Outside PPO Network: After deductible, pays 90% to $5,000, then 100% to policy maximum.
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible Waived, $15 copay; unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network
Acute onset of pre-existing conditions
US Citizens: Maximum of $1,000,000 for up to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens: For ages < 70, up to $1,000,000
| COVID-19 | Excluded |
After deductible, pays 100% to policy maximum.
Outside PPO Network: After deductible, pays 80% to $5,000, then 100% to policy maximum.
US Urgent care: $25 copay unless $0 deductible.
Walk-in Clinic: $15 copay unless $0 deductible.
Direct Billing: Through United Healthcare PPO Network
Fixed Coverage Plans
Limited Coverage (How?)
| COVID-19 | Included |
After deductible, pays fixed amounts as per schedule of benefits.
Direct Billing: Depends upon provider No PPO. No contracted rates.
Acute onset of pre-existing conditions
coverage to policy max for ages <70
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