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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Inbound immigrant insurance questions

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email asktony@tonynovak.com.

Q: Our friends have just immigrated from Ukraine to USA (Tennessee). We have these questions: 1) The $150 deducible that is per incident... is this only for major medical emergency? Or can they also visit the doctor when sick for regular office visits? What is the co-pay for office visits? 2) At the end of the 3-month period, can this insurance be renewed month-by-month? (Or is a three-month minimum per purchase of coverage required)? 3) What is the medical coverage in the event of a pregnancy? 4) What are the rates?

A: This policy uses a per person deductible applicable to all expenses. This is not a per incident deductible. There are no doctor visit co-pays after meeting the deductible. This insurance is renewable month-to-month for up to five years. Some people opt to pay on a quarterly (3 month) basis. Maternity expenses are covered the same as any other medical expense after the policy has been in force for 3 months. The rates and all other information about this insurance are posted at http://FreedomBenefits.net/inbound-immigrant.htm

Summary

More resources:

Inbound Immigrant Insurance

FreedomBenefits.net