Insurance options for when green card is still being processed but not yet approved?

[Sshake]

Has anyone had experience with figuring out visitors' insurance options for the time period when a visitor is already in the U.S. (having arrived as a visitor) and is now awaiting their green card? Different insurance sites seem to provide conflicting advice, with some saying that the visitors insurance would no longer be valid and that the person would need to immediately switch to a new immigrant or bridge plan, while others seem to suggest that the person would continue to be covered by the visitor's insurance policy until such time that the green card is approved. Would love to hear from others' experience with such a situation. Also, if your parent was in that grey area of having arrived as a visitor but is awaiting their green card and you had to make an insurance claim, what documents were required to demonstrate evidence of being a visitor vs. an immigrant with a green card?

thanks.

[insubuy]

Various plans fall into different category:

A. They work only for visitors
e.g., Atlas America, Liaison Continent etc.
Once you have filed a green card, you are no longer eligible.

B. They work only for immigrants (have greencard)
e.g., Bridge Plan
Visitors can not buy them, only those waiting for Medicare eligibility which are green card holders 60+ years.

C. They work whether the person is visitor or immigrant or in between.
e.g., Patriot Series of products.

https://www.insubuy.com/patriot-america-plus-insurance/

https://www.insubuy.com/patriot-america-insurance/

https://www.insubuy.com/patriot-platinum-america-insurance/

This is the category of plans you need to buy in your situation. Please read the FAQ at to understand more why that is OK.
https://www.insubuy.com/greencard-ho...cal-insurance/ It also has a 'Pending Greencard' section.



I hope that answers your questions.

If you have any further questions, please feel free to post them here or contact us at any time.

[Sshake]

Re: Insurance options for when green card is still being processed but not yet appro

Thanks for your reply, Insubuy. However, it isn't clear from any of the descriptions that the Patriot America visitors' insurance is different from Atlas America with regards to the green card aspect--both are described as visitors' insurances, yes? I had spoken with one of your representatives yesterday and she had indicated that BOTH Atlas America and Patriot America would no longer apply once someone had already applied for a green card. Your reply to my original post seems to suggest something different. Could you please also guide me to the fineprint in the policy documents or descriptions that makes this issue clear?

thanks.

[samlynn]

Insurance

I can help with this question. The difference between Atlas America and Patriot America is how they define the home country.
So based on that a greencard holder cannot purchase Atlas plans but CAN purchase Patriot plans. You should call Insubuy today and ask for one of the Managers.

[Sshake]

Insurance options for when green card is still being processed but not yet approved?

Thanks, Samlynn, but my question has to do with those who haven't yet received their green cards but are awaiting them.

I can help with this question. The difference between Atlas America and Patriot America is how they define the home country.
So based on that a greencard holder cannot purchase Atlas plans but CAN purchase Patriot plans. You should call Insubuy today and ask for extension 111 to speak with one of the Managers. I have some experience with them and know they can help.

[samlynn]

Insurance

The answer is the same. You want to get the plan that will take care of you until you are eligible to purchase a long term plan. You wouldn't want to get a visitor plan then have to change it later.

[Trinity71]

Insurance options for people filing for greencards

I do know that Atlas and Patriot plans are visitor plans. Patriot plans will also work for inbound immigrants. More than likely they were suggesting you choose a plan from that list meaning visitor plans are for visitors and inbound immigrant plans are for inbound immigrants. Some of the same plans may be available for both scenarios and some may not be. Therefore, depending on the plan that you choose, you may or may not have to switch, but the correct plan options change as one's status changes.

Some plans will cover any where outside the home country. Example: If you come here from India on a visitor visa, India is your home country. If that person ends up filing for a greencard to live in the U.S., they have made intent to stay. Now there home country is the U.S. as this is where they will live/keep permanent residence. Now per plan information, the Atlas plan can't cover you in the U.S. anymore because it is now your home country. Patriot plans cover anywhere outside your country of citizenship. You would still be an Indian Citizen and therefore the plan could still cover you in the U.S.


This is just my opinion, not legal advice. Use of this information is strictly at your own risk

[insubuy]

Long story short:

If the person is on visitors visa and has applied for greencard, he/she can NOT apply for Atlas America but can apply for Patriot America or Patriot America Plus.