How can I get US health insurance for my (non US residents) parents (in late 50's)?

Question

This is both an "Immigration" question and a "Health Insurance" question. My parents will start living in the US several months a year or more as legal visitors to live with us until they get green cards and can move here permanently. They are close 56, 59 years old. How do I go about getting them health insurance so unexpected health concerns don't ruin them, they can get their prescriptions filled w/o paying an arm and a leg, etc?

Are there specialized US insurance companies that offer insurance to non-residents that's worth anything? I don't need the gimmicky "travel insurance" that won't cover anything or require outrageous deductibles and paperwork sent to some tax haven country ... I need a reliable US insurer who can be found, operates under laws of US, has customer service who can explain their policies, etc.

Answer 1

i think these are good site for insuance details you find your answer

http://www.insuranceplan4u.com

http://www.insuranceandinvestments.net

Answer 2

You won't be able to get them "real insurance" until they're actually here.  Then they'll have to apply, which will be difficult since providing evidence of insurability - that they're not already impaired - will need some medical evidence and their medical history will be outside of the US.

Unless you live in a state like NY, which bars insurers from denying coverage except in limited situations, you may have difficulty.

Answer 3

I do not know one personally but have you searched the insurers sites to see what they can offer and how much they will charge you.

http://cpanetblog.com/teal/tealth.htm

Answer 4

Well, a couple of things you might want to consider.I've had good luck here...http://health-insurance.expert-tip.info/...

Answer 5

I tried to get clients health insurance and found it hard, having to actually refer them to a large brokerage house. I am curious to read the outcome of this as it's not a totally foreign question. http://www.phoenix-life-insurance.com

Answer 6

Contact International Medical Group, they sell the exact policy you are looking for. It is designed to cover people not in their home country. try imglobal.com 1-800-628-4664. for best results visit the web then call customer service to walk you through the options

Answer 7

Well, the real answer is, you're probably not going to be able to get them this.  

There aren't any companies specializing in this kind of risk, because, frankly, the companies can't charge high enough premium to cover the risks.  Even if they were US Citizens, and living here all the time, they'd have a HORRIBLE time finding insurance, even at $1,000 per month, per person, due to their age.

They'll have more luck with that gimicky travel insurance, sorry to say.