F4。 Do new American immigrants have medical insurance in the United States?

F4 New immigrants to the United States need to purchase American medical insurance. According to American law, new immigrants who have no work experience in the United States or have not paid medical insurance tax for more than ten years cannot automatically obtain medical insurance eligibility when they come to the United States. New immigrants must hold a green card for more than five years and be over 65 years old before they can pay insurance premiums to the government's medical insurance plan and buy medical insurance plan A, that is, hospitalization insurance.

The USPerson in the United States is generally divided into five categories: citizens, green cards, residents with legal visas but no green cards (non-residents who have lived in the United States for more than half a year) and illegal immigrants. Except for the difference between voting rights and repatriation after committing a crime, there is not much difference between other citizens and green cards, and insurance companies basically treat them equally when reviewing. If you are a green card holder, some companies will ask for a copy of the green card, and some companies will ask for another form to ask if you often travel abroad. If it is a short vacation to visit relatives, there will generally be no problem. Of course, if you say that you want to go to some unstable places, such as Libya, the insurance company may suspend your application until you come back safely. If you don't have a green card, but live in the United States for a short time, or work and study in the United States for a long time, people with legal status and social security numbers can generally buy life insurance, but the premium is generally slightly more expensive than citizens and green card holders. As for illegal immigrants, it is generally difficult to buy life insurance without legal status.

Generally, there are the following requirements for buying insurance: first, the insured must hold a valid passport and visa and legally enter the United States; Second, fill in the life insurance application form in the United States and have a physical examination in the United States (mainly blood drawing, urine test, weight measurement, simple electrocardiogram, etc.). Thirdly, the insured must provide the information of past medical records, which can be in Chinese, and the insurance company will find someone to translate them. Fourth, the insured amount must be above 6.5438+0 million, and it is only permanent, and $ termlife is not accepted. You can consult major insurance companies for details.