Insurance for Immigrant Parent
1) What is her age? 2) Will she be on a tourist VISA when she first comes to the U.S.? 3) What state will she be living in? 4) Does she have any pre-existing medical conditions? She may first need to obtain an international or travel health plan, and then apply for domestic coverage once she has been here for awhile. We can best advise you when you reply to the questions above. 7 CommentsLeave a comment |
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My husband and I are considering bringing his mother to the United States to live with us but we need to find the best option for medical insurance for her. We both have insurance through our employers, but it seems to only be for the policyholder and his/her spouse and children. What sort of coverage is available for a mother-in-law and what sort of requirements are there to obtain it? We plan on obtaining resident alien status for her.
There may be options available to your mother-in-law. To best direct you, we need to ask a couple more questions:
My mom is 57 and will be coming here at first as a tourist on a 6 month visa. We live in California. We don’t know if she has any pre-existing medical conditions because she never goes to the doctor in Mexico. That is one of the reasons we want to get her health insurance, so she can go to the doctor and have a complete exam. She has never had a mammogram or pap test.
Comment by Maria — January 4, 2007 @ 10:20 am
Since your mother-in-law will originally be here on a tourist visa, you will not be able to get her domestic health insurance in California with insurance companies like Kaiser, Blue Cross or Aetna. They only provide coverage to permanent California residents, so you will need to wait until she has that status before you can apply for that type of coverage.
In the meantime, you can purchase a 6 month travel health insurance policy that will provide here with protection against unexpected illnesses or injuries. These plans will not cover check-ups or the treatment of any pre-existing medical condition. So, they will not help you in paying for her exams. Perhaps there is a community health clinic in your area that can provide these services at a reasonable rate. Before she can get permanent insurance from a domestic carrier, she will be required to have a complete physical exam. The insurance companies will want to make sure she is healthy before they agree to provide her with health insurance.
Comment by admin — January 4, 2007 @ 10:21 am
You both have group health coverage with your employers? If she is your legal dependant, she may be eligible for coverage under your group health plan. However, treat this coverage as INSURANCE–not as a passport to receive medical services for items that are not related to a current episode of illness. Insurance is for the unexpected.
Comment by Terence Kelley — February 14, 2007 @ 6:39 am
We are considering bringing my mother_in_law to the United States to live with us by sponsorong Green card for her and that’s way we are looking for all possiblity for health insurance .
She is 62years age old.
She will be living in MA with us as our dependend.
She also have pre-existing medical conditions and we are looking for some insurance that should cover all unexpected health issue related to pre existing or new issue.
Comment by kbcusa — November 10, 2008 @ 8:57 am
Hi ,
My mom has been living with us for 7 years. She is a green card holder. We want to find out if there is any economical dependant insurance for her.
Thank you
Comment by Insurance for dependant — April 19, 2009 @ 10:42 am
If you choose to get temporary insurance such as travel insurance, then you need to be careful to read the fine print, as there can be exclusions on which countries are covered under travel. For example you may be able to get travel health insurance from a foreign insurance company, but most will not insure you for the full amount if you travel to the US, because of the high costs of health care. In fact, you may end up only having personal accident insurance.
Otherwise there are many insurance companies that offer international travel and health insurance with very good limits for no more than a few hundred dollars pr. month.
Comment by Steven — June 6, 2009 @ 11:25 am
A lot depends on your mom’s age. Mine is 72 and I am sponsoring her to join me. She is ineligible for medicare and despite being willing and able to pay for health insurance, the policies issued by established companies do not go beyond age 65.
I have been advised by my State’s department of health to contact the department of human services for assistance. I don’t know what else to do!
Comment by Lyn — September 22, 2009 @ 1:36 pm