{"id":18737,"date":"2025-06-14T08:46:49","date_gmt":"2025-06-14T00:46:49","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=18737"},"modified":"2026-04-15T22:13:54","modified_gmt":"2026-04-15T14:13:54","slug":"h1b-visa-health-insurance","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/h1b-visa-health-insurance.html","title":{"rendered":"Health Insurance Options for H-1B Visa Holders in the U.S."},"content":{"rendered":"<p><span style=\"font-weight: 400;\">H-1B visa holders are not immediately required to have comprehensive health insurance when they arrive in the United States, but after 6 to 10 months, they must purchase a plan that meets Affordable Care Act (ACA) standards. This shift happens once they are considered U.S. residents for tax purposes, making health coverage essential to avoid high out-of-pocket medical costs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a foreign professional preparing to work in the <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/americas\/usa-health-insurance-pacific-prime\/\"><span style=\"font-weight: 400;\">United States<\/span><\/a><span style=\"font-weight: 400;\">, understanding your health insurance options is critical. From short-term and travel medical coverage to employer-sponsored or long-term private plans, the right insurance can protect your health and finances throughout your stay.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep reading to learn about the type of insurance offered to H-1B visa holders, why health insurance is necessary in the United States, what to consider when choosing a plan, and more. We\u2019ll also help you compare some of the best health insurance plans out there for H-1B visa holders.<\/span><\/p>\n<p><b>Please note that all monetary amounts in this article are valued in United States dollars, or USD.<\/b><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Overview of Health Insurance for H-1B Workers<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-22201 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pedestrians-crossing-bridge-on-sunny-day-in-brooklyn-new-york.webp\" alt=\"Image of Pedestrians Crossing Bridge On Sunny Day In Brooklyn, New York with text overlay of &quot;Overview of Health Insurance for H-1B Workers&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pedestrians-crossing-bridge-on-sunny-day-in-brooklyn-new-york.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pedestrians-crossing-bridge-on-sunny-day-in-brooklyn-new-york-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pedestrians-crossing-bridge-on-sunny-day-in-brooklyn-new-york-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pedestrians-crossing-bridge-on-sunny-day-in-brooklyn-new-york-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/pedestrians-crossing-bridge-on-sunny-day-in-brooklyn-new-york-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">For <\/span><a href=\"https:\/\/travel.state.gov\/content\/travel\/en\/us-visas\/employment\/temporary-worker-visas.html\"><span style=\"font-weight: 400;\">H-1B visa holders<\/span><\/a><span style=\"font-weight: 400;\"> working in the United States for less than 6\u201310 months, consider short-term insurance, international travel medical insurance, or employer-sponsored insurance. For those staying longer, opt for long-term insurance, whether purchased through your employer or a private insurer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Workers in the United States who only stay for 6\u201310 months are considered \u201cnonresident aliens,\u201d which means they don\u2019t have to pay taxes and so are not under the same obligations to maintain ACA-compliant coverage. Once workers become residents, they must pay taxes and find adequate coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s review your options for coverage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Temporary Health Insurance for New H-1B Arrivals<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term-health-insurance-plans\/\"><span style=\"font-weight: 400;\">Short-term health insurance<\/span><\/a><span style=\"font-weight: 400;\"> is meant as temporary coverage until you can purchase a long-term plan either within the U.S. where you\u2019re working or back home. While short-term health insurance is flexible and often more affordable than other health insurance, it also tends to be less comprehensive.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many short-term plans cover preventative care, emergency care, urgent care, and medical tests, with some even offering discounts on medications; but, most plans don\u2019t cover more costly care, like pre-existing conditions, mental health services, maternity care, or substance abuse.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">International Travel Insurance for H-1B Visa Holders<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Sometimes called visitor\u2019s insurance, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/travel-quote\/\"><span style=\"font-weight: 400;\">international travel medical insurance<\/span><\/a><span style=\"font-weight: 400;\"> is medical health insurance that functions within the United States like normal health insurance would in your home country.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Travel medical insurance coverage varies widely depending on the plan you choose, with many companies choosing not to cover pre-existing conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Travel <\/span><i><span style=\"font-weight: 400;\">medical<\/span><\/i><span style=\"font-weight: 400;\"> insurance is not the same as <\/span><i><span style=\"font-weight: 400;\">traditional<\/span><\/i><span style=\"font-weight: 400;\"> travel insurance, which covers trip mishaps and emergency medical costs only. If you choose to purchase travel insurance in addition to your health insurance, check out <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/the-best-travel-insurance-companies.html\"><span style=\"font-weight: 400;\">this article<\/span><\/a><span style=\"font-weight: 400;\"> or the <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/best-travel-insurance\/\"><span style=\"font-weight: 400;\">best traditional travel insurance options<\/span><\/a><span style=\"font-weight: 400;\"> on our page.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Full-Year Health Coverage Options in the U.S.<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Usually called domestic, private, or individual health insurance, long-term comprehensive coverage usually lasts for a year with renewal options. Because it offers more variety and breadth of care, premiums tend to be higher than short-term insurance or travel medical insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Long-term insurance in the U.S. must cover:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ambulatory services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maternity and newborn care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rehabilitative services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mental health and substance abuse services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wellness and chronic disease management<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription drugs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pediatric services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laboratory services<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Your employer may offer private health insurance (often with your employer covering part of the cost). You may purchase it on the ACA Marketplace, or you can get help buying the <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">right international health insurance<\/span><\/a><span style=\"font-weight: 400;\"> plan through a private insurance broker like Pacific Prime.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Employer Health Insurance Plans Explained<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Employers in the United States often offer private insurance. While many employers help cover the cost of health insurance, you may choose to purchase separate private coverage if:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You are seeking extra coverage through add-ons that are unavailable through your employer\u2019s insurance plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your employer does not offer health insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You are waiting for coverage to begin<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you are seeking out coverage for a dependent that your employer\u2019s coverage doesn\u2019t offer<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In discussing health insurance with your employer, consider the following questions:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How much does your employer contribute toward your insurance and how much do you pay?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is there a waiting period before coverage begins, and if so, how long is that waiting period?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What does the plan cover?\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What are the costs within the plan, such as deductibles and out-of-pocket maximums?\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Why U.S. Health Insurance Matters for H-1B Workers<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-22202 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/afternoon-view-of-manhattan-skyline-from-east-river-new-york-city.webp\" alt=\"Image of Afternoon View Of Manhattan Skyline From East River, New York City with text overlay of &quot;Why U.S. Health Insurance Matters for H-1B Workers&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/afternoon-view-of-manhattan-skyline-from-east-river-new-york-city.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/afternoon-view-of-manhattan-skyline-from-east-river-new-york-city-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/afternoon-view-of-manhattan-skyline-from-east-river-new-york-city-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/afternoon-view-of-manhattan-skyline-from-east-river-new-york-city-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/afternoon-view-of-manhattan-skyline-from-east-river-new-york-city-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Some workers coming to the United States wonder why health insurance is necessary and why the government regulates insurance. The United States is one of the few countries in the world that does not have a nationalized health system, so most hospitals and care facilities are private.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because most hospitals and care facilities in the United States are private and run for profit, either individuals or health insurance must pay for all medical care. This makes medical expenses in the United States very costly, even for simple or routine care.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To ensure that United States residents are receiving coverage for their healthcare in a more affordable way, the government passed <\/span><a href=\"https:\/\/www.healthcare.gov\/glossary\/affordable-care-act\/\"><span style=\"font-weight: 400;\">the Affordable Care Act<\/span><\/a><span style=\"font-weight: 400;\"> in 2010, which, in part, requires individual and small-group health insurance plans to cover what the act calls the essential health benefits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In short, health insurance is the way residents in the United States receive affordable coverage. For that reason, short-term insurance in the United States is discouraged other than for temporary needs because it is not ACA-compliant and could leave individuals to pay expensive medical costs.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Top Health Insurance Plans for H-1B Visa Holders<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With so many plans to choose from, weeding through your options can feel daunting. We\u2019ve done the work to compile some of the best health insurance plans for H-1B visa holders. Check them out below.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Recommended Short-Term Plans for H-1B Workers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While short-term coverage is less ideal than long-term plans, Pacific Prime\u2019s partners offer some exceptional temporary coverage for your time in the United States. We suggest GeoBlue or April International.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">GeoBlue<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">GeoBlue offers top-notch plans for those living in the United States as well as for those overseas. Because <\/span><span style=\"font-weight: 400;\">GeoBlue\u2019s network within the United States includes Blue Cross Blue Shield\u2014which covers 80% of physicians and 90% of hospitals in the U.S.\u2014you\u2019re sure to find quality coverage in your network.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re undecided on which type of coverage you\u2019d prefer, look through GeoBlue\u2019s international <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/geoblue\/\"><span style=\"font-weight: 400;\">short-term plans<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/geoblue-the-best-travel-insurance.html\"><span style=\"font-weight: 400;\">travel insurance plans<\/span><\/a><span style=\"font-weight: 400;\"> on their page, or keep reading below. They also offer quality long-term international coverage whenever you\u2019re ready for it.<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">GeoBlue Xplorer Premier<\/span><\/h5>\n<p><span style=\"font-weight: 400;\">GeoBlue\u2019s <\/span><a href=\"https:\/\/www.geobluetravelinsurance.com\/pdf_docs\/certs\/samples\/SAMPLE_XplorerPremier_0008.pdf\"><span style=\"font-weight: 400;\">Xplorer Premier plan<\/span><\/a><span style=\"font-weight: 400;\"> includes comprehensive coverage in the United States for up to 9 months, with unlimited annual and lifetime benefits, whether you use them in or out of the United States. Benefits differ whether you use them in the U.S. or not, but all costs apply to your deductible.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is how those deductibles stack up to one another:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Xplorer Premier Deductible Selection<\/b><\/td>\n<td><b>Deductible Outside of USA<\/b><\/td>\n<td><b>USA Deductible In-Network<\/b><\/td>\n<td><b>USA Deductible Out-of-Network<\/b><\/td>\n<td><b>Annual Coinsurance Maximum<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">10,000 Plan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5,000 Plan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2,000 Plan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$8,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1,000 Plan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Elite<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Office visits, exams, immunizations, labs, and X-rays are covered 100% outside the United States. For these services in network within the U.S., 80% is paid until you meet your coinsurance maximum, after which 100% is covered. For out-of-network care, 60% is paid until your coinsurance maximum, after which 100% is covered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Healthcare visits are common, and GeoBlue\u2019s Xplorer Premier plan offers:<\/span><\/p>\n<p><b>Outside the United States<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage after a $10 copay for all primary care or specialized office visits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage for urgent care given at a facility<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage for up to 12 sessions of physical and occupational therapy per year<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage after a $10 copay for outpatient mental health care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage after a $10 copay for outpatient substance abuse<\/span><\/li>\n<\/ul>\n<p><b>In Network in the United States<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage after a $30 copay for all primary care or specialized office visits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage after a $75 copay for urgent care given at a facility<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage for up to 12 sessions of physical and occupational therapy per year<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage after a $30 copay for outpatient mental health care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage after a $30 copay for outpatient substance abuse<\/span><\/li>\n<\/ul>\n<p><b>Out of Network in the United States<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">60% coverage until coinsurance is met, then 100% coverage for primary care or specialized office visits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">60% coverage until coinsurance is met, then 100% coverage for urgent care given at a facility<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">100% coverage for up to 12 sessions of physical and occupational therapy per year<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">60% coverage until coinsurance is met, then 100% coverage for outpatient mental health care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">60% coverage until coinsurance is met, then 100% coverage for outpatient substance abuse<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you anticipate extra needs, such as emergency dental care, cover for prescription medications, or chiropractic services, you can find the details on <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/geoblue\/\"><span style=\"font-weight: 400;\">GeoBlue\u2019s page<\/span><\/a><span style=\"font-weight: 400;\"> or simply <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">get a quote<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">GeoBlue Essential with Add-On<\/span><\/h5>\n<p><span style=\"font-weight: 400;\">You can also consider <\/span><a href=\"https:\/\/www.geobluetravelinsurance.com\/pdf_docs\/certs\/samples\/SAMPLE_XplorerEssential_0007.pdf\"><span style=\"font-weight: 400;\">GeoBlue\u2019s Essential plan<\/span><\/a><span style=\"font-weight: 400;\"> with add-ons for United States coverage if you\u2019re looking to save a little money.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Coverage Benefits<\/b><\/td>\n<td><b>Xplorer Essential with Add-on<\/b><\/td>\n<td><b>Xplorer Premier<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical Maximum Benefit Amount (USD)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Coverage Duration within the United States (for US Citizens)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Maximum of three trips per calendar year, 21 days per trip<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Capped at 9 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Preventative Care within USA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not Covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ability to Travel to USA for Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Outpatient Prescription Drug Coverage (USD)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000 for prescriptions only related to emergency medical care, illness, and accidental injury<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500 for Basic Benefit Package, $25,000 with Enhanced Prescription Upgrade<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Birth Control Coverage in USA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not Covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">See plan outpatient drug limit<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inpatient Mental Health Benefits within the USA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not Covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">In-network: 80%, Out-of-network: 60%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Outpatient Mental Health Benefits within the USA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not Covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">In-network: 100% after $30 copay; Out-of-network: 60%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">USA Benefits for Covered Pre-existing Condition (USD)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Co-pay for each USA In-Network Physician Office Visit (USD)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$50<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$30<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">USA Physician Network<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Blue Cross Blue Shield PPO Network<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Blue Cross Blue Shield PPO Network<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4><span style=\"font-weight: 400;\">April International<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">The MyHealth International plan from <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/april-international\/\"><span style=\"font-weight: 400;\">April International<\/span><\/a><span style=\"font-weight: 400;\"> makes it easy for H-1B visa holders and their families to find the coverage they need with their five tier options. Choose coverage for 1\u201312 months, with a one-time extension option for up to 6 months.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The annual benefit limit for each plan is:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency plan: <\/span><span style=\"font-weight: 400;\">$272,538.75<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Formule basic plan: $<\/span><span style=\"font-weight: 400;\">545,077.50<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Essential plan: $1,090,155.00<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comfort plan: Unlimited<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premium plan: Unlimited\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Hospitalization for emergencies, accidents, or medical repatriation are completely covered under all plans. Under every plan except for the Emergency plan, all hospitalizations that are not emergencies are also fully covered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Compare coverage for hospitalization needs like cancer or a private room with this table:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Coverage Benefits<\/b><\/td>\n<td><b>Cancer Care Coverage<\/b><\/td>\n<td><b>Private Room Coverage<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency Plan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Accidents or Emergencies Only<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not Covered<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Formule Basic<\/span><\/td>\n<td rowspan=\"4\"><span style=\"font-weight: 400;\">Coverage for Comprehensive Cancer Care<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not Covered<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Essential Plan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$81.76 per day<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Comfort<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fully Covered<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Premium Plan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fully Covered<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">For more common outpatient care, April International offers medium coverage on their Essential plan, high coverage on their Comfort plan, and deluxe coverage on their Premium plan, but note that they do not offer outpatient coverage on their Emergency or Formule Basic plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">April International also offers dental and vision coverage on all plans but their Emergency plan, with limits of:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Forumule Basic plan: $545.08 per year for dental and $163.52 every two years for vision<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Essential plan: $1,090.15 per year for dental and $272.54 every two years for vision<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comfort plan: $2,180.31 per year and $545.08 every two years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premium plan: $4,360.62 per year and $763.11 every two years<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you anticipate needing maternity coverage, April International has options on their higher-tiered plans.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Get a <\/span><a href=\"https:\/\/short-term.april-international.com\/en-gb\/profile\/contact-information\"><span style=\"font-weight: 400;\">quote on April International plans<\/span><\/a><span style=\"font-weight: 400;\">, or find out more about <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/april-international-travel-insurance-the-best-travel-insurance.html\"><span style=\"font-weight: 400;\">their travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> through Pacific Prime.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Top Travel Medical Insurance for H-1B Workers<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Vumi Travel VIP and IMG Global provide quality travel medical insurance to give you the temporary coverage you need if you only plan to work in the United States briefly.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Vumi Travel VIP<\/span><\/h4>\n<p><a href=\"https:\/\/s3.amazonaws.com\/vumigroup.planes\/Cuaderno_Informativo_travel\/travel_vip_plan_overview_en.pdf\"><span style=\"font-weight: 400;\">VUMI\u2019s travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> blends coverage for medical needs with traditional travel insurance for extra coverage. Medical coverage from VUMI VIP\u2019s travel insurance includes $5,000,000 in maximum lifetime benefits, 100% hospitalization coverage, and even possible coverage for pre-existing conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Choose between single-trip coverage (which you can extend as many times as necessary for up to 1 year of coverage) or annual coverage, with coverage across multiple trips within 30, 45, or 90 consecutive days (with options to extend for an extra cost).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have a pre-existing condition and prefer to purchase travel medical insurance, VUMI VIP is one of the few companies with strong coverage for you: they cover up to $500,000 for pre-existing conditions as long as you show 6 months of stability without symptoms or without medication changes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">VUMI VIP also covers 100% of:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Treatment from authorized medical professionals<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization with a semi-private room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Surgery and anesthesiology fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medications prescribed during a hospital stay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medically necessary medical equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency transportation, whether a ground or air ambulance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repatriation of a relative or traveler after medical evacuation or death<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repatriation of remains<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency visits to qualified\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Return trip after medical evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non Medical evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acute emergency sickness or injury<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">VUMI is known for their maternity coverage, including their maternity-specific insurance. For their travel insurance, they cover up to $10,000 for maternity complications up to 20 weeks for normal pregnancies or 12 weeks for those with multiple pregnancies or who used fertility treatments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Care from a physiotherapist is covered up to $2,500 per trip; emergency dental care up to $500 per trip; and accommodations after an acute illness or injury, including serious accidents, up to $300 per day with a $6,000 maximum.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for more flexible options, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI\u2019s other international health insurance plans<\/span><\/a><span style=\"font-weight: 400;\"> include comprehensive medical coverage, with options for maternity care, routine dental, and optical care. With five different tiered plans, you\u2019ll find coverage that\u2019s suitable for your needs and budget.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">IMG Global<\/span><\/h4>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG<\/span><\/a><span style=\"font-weight: 400;\"> offers travel medical insurance, traditional travel insurance, and international health insurance that cater to the needs of individuals, families, and companies. Their top travel insurance plans are their GlobeHopper plan and their Patriot plans.<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">IMG GlobeHopper<\/span><\/h5>\n<p><span style=\"font-weight: 400;\">IMG\u2019s GlobeHopper plan offers maximum coverage for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital room and board in a semi-private room<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Intensive care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Out-patient medical expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ambulance fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription medications<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency room accidents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency room illnesses with in-patient admission<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental care due to an injury<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For more information, check out this <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/img-globehopper-the-best-travel-insurance-plans.html\"><span style=\"font-weight: 400;\">article all about the GlobeHopper<\/span><\/a><span style=\"font-weight: 400;\"> plan.<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">IMG Patriot Plans<\/span><\/h5>\n<p><span style=\"font-weight: 400;\">IMG\u2019S Patriot Lite, Patriot Plus, and Patriot Platinum travel medical plans also cover those looking for care in the U.S.\u2014with their Patriot Plus plan only available for those traveling to the United States. Here is the breakdown of their three plans:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Coverage Benefits\u00a0<\/b><\/td>\n<td><b>Lite<\/b><\/td>\n<td><b>Plus<\/b><\/td>\n<td><b>Platinum<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maximum Limits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to $1 million<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to $1 million<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to $8 million<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Deductible<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$0 to $2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$0 to $2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$0 to $25,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Acute Onset of Pre-existing Conditions<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Travel intelligence<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Telehealth<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Evacuation Plus<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Covered<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">IMG also offers add-ons through their Adventure Sports rider, their Enhanced AD&amp;D rider, their Citizenship Return rider, and their Evacuation Plus rider, which can be applied to their GlobeHopper or Patriot plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">See full details and get your <\/span><a href=\"https:\/\/www.imgeurope.co.uk\/purchase\/Quote\/GlobeHopper\/pre-quote?imgac=215546\"><span style=\"font-weight: 400;\">quote for IMG GlobeHopper<\/span><\/a><span style=\"font-weight: 400;\">, or compare their long-term plans on their page.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Long-Term Insurance Plans for Extended Stays<\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-22203 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-city-skyline-in-background-new-york-city.webp\" alt=\"Image of Statue Of Liberty With City Skyline In Background, New York City with text overlay of &quot;Long-Term Insurance Plans for Extended Stays&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-city-skyline-in-background-new-york-city.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-city-skyline-in-background-new-york-city-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-city-skyline-in-background-new-york-city-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-city-skyline-in-background-new-york-city-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-of-liberty-with-city-skyline-in-background-new-york-city-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Long-term health insurance generally offers the most comprehensive care\u2014not just in length but in network breadth and costs covered. If your employer does not offer insurance, browse the plans from Cigna and Allianz, or compare long-term plans from some of Pacific Prime\u2019s partners mentioned above.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Cigna<\/span><\/h4>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna Global<\/span><\/a><span style=\"font-weight: 400;\"> boasts four superb health insurance options: their Cigna Global Health plan, with Silver, Gold, Platinum tiered packages and their Close Care plan, which all offer worldwide coverage through an extensive network of qualified medical professionals.\u00a0<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">Cigna Global Health<\/span><\/h5>\n<p><span style=\"font-weight: 400;\">Cigna\u2019s Global Health customizable plans tailor to their policyholder\u2019s needs through three tiers of coverage. <\/span><span style=\"font-weight: 400;\">Visa holders living abroad may also choose to add out-patient, evacuation, health and well-being, vision, and dental coverage to their plan if you choose.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">See the table below to compare coverage across the packages in the Global Health plan:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Coverage Benefits<\/b><\/td>\n<td><b>Silver<\/b><\/td>\n<td><b>Gold<\/b><\/td>\n<td><b>Platinum<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Annual Limit Amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Unlimited<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Coverage Area<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Worldwide<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Worldwide<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Worldwide<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inpatient and Outpatient Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full for a private room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full for a private room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full for a private room<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hospital Accommodation for Parent or Guardian<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pandemics, Epidemics, and Outbreaks of Infectious Diseases<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inpatient Cash Benefit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$100<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$100<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$100<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Accident and ER Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,200<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Transplant Services<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Advanced Medical Imaging<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rehabilitation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Home Nursing<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Acupuncture and Chinese Medicine<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Palliative Care<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$35,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$60,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in full<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Under these core plans, Cigna offers rehabilitation services for physiotherapy, occupational therapy, cognitive and speech therapy, and cardiac and pulmonary rehabilitation. For palliative care, they cover home care, in-patient and out-patient hospital and hospice care, prescribed drugs, and physical and psychological care.<\/span><\/p>\n<h5><span style=\"font-weight: 400;\">Cigna Close Care<\/span><\/h5>\n<p><span style=\"font-weight: 400;\">For those looking for cost-effective health insurance, the Close Care package offers flexible budget-friendly care by limiting care to your resident country and your home country.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cigna\u2019s Close Care package offers an annual coverage limit of $500,000 to be used in your country of residence or nationality. It covers in-patient, out-patient, and accommodation costs in full for a semi-private room, all cancer care, and $3,000 for mental and behavioral health care.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Beyond this coverage, you may elect to purchase an out-patient and wellness benefit. This add-on covers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Routine physical exams<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consultations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescribed medications<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chiropractic treatments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mental health services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Physiotherapy<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Please note that Cigna\u2019s Close Care plan does not cover medical evacuation, maternity care, or travel safety services.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Allianz<\/span><\/h4>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care<\/span><\/a><span style=\"font-weight: 400;\"> brings three offerings to the table with their Care, Care Plus, and Care Pro plans. Each package offers flexible coverage and optional add-ons for out-patient, dental care, and repatriation, as well as optional maternity care on the Care Plus and Care Pro plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is a breakdown of the overall coverage under each package:<\/span><\/p>\n<p><b>Allianz\u2019s Care<\/b><span style=\"font-weight: 400;\"> plan covers a maximum of $2,500,000, including coverage for semi-private in-patient and day-patient hospital rooms, oncology, rehabilitation, medical evacuation, home care, and emergency out-patient treatment.<\/span><\/p>\n<p><b>Allianz\u2019s Care Plus<\/b><span style=\"font-weight: 400;\"> plan covers a maximum of $4,000,000, including coverage for in-patient and day-patient hospital rooms, oncology, rehabilitation, medical evacuation, home care, emergency out-patient treatment, and emergency dental care.<\/span><\/p>\n<p><b>Allianz\u2019s Care Pro<\/b><span style=\"font-weight: 400;\"> plan covers a maximum of $5,000,000, including coverage for in-patient and day-patient hospital rooms, oncology, rehabilitation, medical evacuation, home care, emergency out-patient treatment, emergency dental care, preventative surgery, and laser eye treatment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">See the table below for additional information comparing Allianz\u2019s plans:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Benefits Coverage<\/b><\/td>\n<td><b>Care Plan<\/b><\/td>\n<td><b>Care Plus Plan<\/b><\/td>\n<td><b>Care Pro Plan<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maximum Plan Limit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Type of Room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Semi-Private<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Private<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Private<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inpatient \/ Day-Care<\/span><\/td>\n<td><b>\u2713<\/b><\/td>\n<td><b>\u2713<\/b><\/td>\n<td><b>\u2713<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Oncology<\/span><\/td>\n<td><b>\u2713<\/b><\/td>\n<td><b>\u2713<\/b><\/td>\n<td><b>\u2713<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical Evacuation<\/span><\/td>\n<td><b>\u2713<\/b><\/td>\n<td><b>\u2713<\/b><\/td>\n<td><b>\u2713<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Nursing at Home<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,025<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,375<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,740<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rehabilitation Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,700<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,375<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,970<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Preventive Surgery<\/span><\/td>\n<td><b>\u2717<\/b><\/td>\n<td><b>\u2717<\/b><\/td>\n<td><span style=\"font-weight: 400;\">$40,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Laser Eye Treatment<\/span><\/td>\n<td><b>\u2717<\/b><\/td>\n<td><b>\u2717<\/b><\/td>\n<td><span style=\"font-weight: 400;\">$1,350<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency Out-Patient Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$338<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,015<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,015<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency Out-Patient Dental Treatment<\/span><\/td>\n<td><b>\u2717<\/b><\/td>\n<td><span style=\"font-weight: 400;\">$400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,015<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"font-weight: 400;\">Key Factors When Selecting an H-1B Plan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When choosing an H-1B insurance plan, consider coverage that gives you peace of mind; that doesn\u2019t exclude coverage for health complications you know you experience, such as a pre-existing condition; that fits your budget; and that covers dependents, if applicable.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What\u2019s Covered and What\u2019s Not<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Finding a plan that covers your medical needs can be stressful, especially when considering budget or ongoing medical conditions that some insurers may exclude. Remember that long-term plans tend to be more inclusive, so if you have extensive medical needs consider beginning your search there.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cost Considerations for Health Plans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While prioritizing your health is most important, finding care that fits your budget is a no-brainer. Your premium, deductible, copays and coinsurance, and your out-of-pocket maximum will all contribute to your health insurance costs. We\u2019ve broken down some of these key terms below:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Premium:<\/b><span style=\"font-weight: 400;\"> the amount you pay each month for health insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Deductible<\/b><span style=\"font-weight: 400;\">: the amount you pay before your insurance covers costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Copay<\/b><span style=\"font-weight: 400;\">: the amount you pay for medical visits, like doctor\u2019s visits\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coinsurance: <\/b><span style=\"font-weight: 400;\">the coverage percentage you pay once you have met your deductible\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Out-of-pocket maximum:<\/b><span style=\"font-weight: 400;\"> the total maximum amount you may pay for health care within a term<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Health Coverage for H-1B Dependents<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you have a spouse or children who will accompany you to the U.S., consider health coverage for them. Many health insurance companies allow you to enroll dependents on your plan. You maintain status as the primary policyholder, and dependents often receive the same benefits, just at extra cost.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your plan does not allow dependents, you will need to search for a separate private plan for them.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Steps to Enroll in H-1B Visa Health Insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Enrolling in health insurance is relatively simple. If you receive coverage through your employer, he or she should direct you to the insurer\u2019s website. You may even have access to an insurance broker through your employers\u2019 provider who can help you enroll or answer your questions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you elect a private health insurance plan, you can apply yourself or receive help from a broker like Pacific Prime. <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> makes application and enrollment simple and quick, with free assistance from a qualified professional.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions\u00a0<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Can H-1B visa holders get health insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">H-1B visa holders can purchase short-term health insurance, travel medical insurance, or long-term international insurance, or their employers may provide insurance for them.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Are dependents of H-1B visa holders eligible for health insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dependents of H-1B holders can purchase travel medical insurance, enroll in long-term international health insurance, or be added to a primary policyholder\u2019s coverage. Each plan has limits to the number of dependents allowed as well as coverage limits for those dependents.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What will happen if I do not purchase health insurance for my H-1B visa?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you don\u2019t purchase health insurance for your H-1B visa, you will be responsible for covering all medical costs, which are very expensive in the United States.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pacific Prime is here to make finding the right plan easy as you prepare to travel to the United States. Whether you opt for short-term, travel medical, or long-term health insurance, get the assistance you need for convenient enrollment.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Call us toll-free at 1-800-868-1451 about one of the plans above, <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&amp;utm_campaign=Blog\"><span style=\"font-weight: 400;\">get a quote<\/span><\/a><span style=\"font-weight: 400;\">, or <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">compare plans<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you enjoyed this article, check out our other articles on <a href=\"https:\/\/www.pacificprime.com\/blog\/j2-insurance.html\">J2 Visa Specific Health Insurance<\/a> and <a href=\"https:\/\/www.pacificprime.com\/blog\/iso-health-insurance-for-h1b.html\">ISO Health Insurance for H1B Visa Holders<\/a>.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>H-1B visa holders are not immediately required to have comprehensive health insurance when they arrive in the United States, but after 6 to 10 months, they must purchase a plan that meets Affordable Care Act (ACA) standards. This shift happens once they are considered U.S. residents for tax purposes, making health coverage essential to avoid &#8230;<\/p>\n","protected":false},"author":54,"featured_media":22200,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-18737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>H1B Visa-Specific Health Insurance Plans<\/title>\n<meta name=\"description\" content=\"Secure the right health insurance as an H-1B visa holder to meet U.S. requirements and avoid 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class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/h1b-visa-health-insurance.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/h1b-visa-health-insurance.html\"},\"author\":{\"name\":\"Serena Fung\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/28ca51ef3d01177132923253f8b13623\"},\"headline\":\"Health Insurance Options for H-1B Visa Holders in the 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