Major Medical for Foreign Nationals
At Diversified Insurance Brokers, we recognize that navigating the U.S. healthcare system as a visitor can be both overwhelming and expensive without proper coverage. That’s why we offer Major Medical Insurance for Foreign Nationals through Lloyds of London, a trusted name in global insurance. This plan provides comprehensive medical protection for foreign nationals visiting, studying, or working in the United States, ensuring you have access to quality care while avoiding the financial burden of unexpected medical bills.
Major Medical (for Foreign Nationals) – Lloyds of London
Comprehensive U.S. medical coverage for illness, injury, and emergencies during your stay.
Who This Coverage Is For
- Foreign nationals visiting the U.S. for leisure, business, or family reasons
- International students attending U.S. schools, colleges, or universities
- Temporary workers or professionals on short- or long-term assignments
- Individuals relocating to the U.S. who need immediate medical coverage
Key Benefits
- Comprehensive Medical Protection: Covers doctor visits, hospitalization, surgeries, and prescription medications.
- Emergency Care: Includes ambulance transport, emergency room visits, and urgent care services.
- Nationwide Provider Network: Access to a broad network of trusted U.S. doctors and hospitals.
- Financial Security: Avoids large out-of-pocket expenses from unexpected medical events.
- Customizable Coverage Length: Choose short-term or long-term protection to fit your stay.
- Peace of Mind: Travel knowing you are protected against the high cost of U.S. healthcare.
How the Application Process Works
Applying for this plan is simple and can be done entirely online. You’ll select your desired coverage period, provide basic personal and travel information, and review plan details before securing your policy. There are no complicated medical forms, and most applicants can receive confirmation within minutes. Once approved, coverage can begin as soon as your arrival date in the United States.
Why Choose Diversified Insurance Brokers?
We work with top-rated carriers like Lloyds of London to deliver insurance solutions designed for the unique needs of international visitors. Our advisors help you compare options, answer questions, and ensure you get the right plan at the right price. With our experience and commitment to client service, you can enjoy your stay in the U.S. knowing you’re fully protected.
FAQs: Major Medical for Foreign Nationals
What does “major medical” insurance mean for foreign nationals?
Major medical insurance refers to comprehensive health coverage that pays for serious medical expenses like hospital stays, surgery, prescription drugs, physician services, diagnostic tests, and sometimes emergency care. For foreign nationals, it means plans tailored for non-U.S. citizens or non-permanent residents.
Am I eligible if I’m a visitor, student, or on a temporary visa?
Many major medical plans do allow coverage for people in the U.S. on temporary visas (students, J-1, H-1B, etc.), visitors, or immigrants. Eligibility depends on the plan’s criteria—some require that you are lawfully present, provide visa documentation, or meet certain residency or duration-of-stay thresholds.
Can I enroll in ACA/Marketplace plans if I’m a foreign national?
If you are lawfully present (for example, green card holder, refugee, asylee, certain visa holders), you may qualify for plans via the ACA Marketplace. If not, you’d need to look for private or international major medical coverage.:contentReference[oaicite:0]{index=0}
What kinds of benefits are commonly included in these major medical plans?
Typical benefits include hospital and physician services, emergency care, diagnostics (labs, imaging), prescription drug coverage, sometimes mental health, maternity (depending on plan), medical evacuation/repatriation (for more international plans). Some plans also offer optional riders.:contentReference[oaicite:1]{index=1}
What are the limitations or exclusions I should watch for?
Common limitations include: pre-existing condition exclusions; waiting or elimination periods; geographic limits (may limit coverage outside of the U.S. or outside your home country); higher deductibles/copays; policy maximums; exclusions for non-emergency care; possibly no maternity or mental health depending on plan.:contentReference[oaicite:2]{index=2}
How much does major medical coverage cost for foreign nationals?
Cost depends on age, health status, visa or immigration status, how long you intend to stay, coverage limits, deductible, co-insurance, and optional benefits. Plans for visitors tend to cost more per unit of benefit because risk is considered higher.:contentReference[oaicite:3]{index=3}
How do deductibles, co-insurance, and policy maximums work for these plans?
Typically, you select a deductible (amount you pay out of pocket before the plan pays), a co-insurance level (percentage the plan pays after deductible), and policy maximums (total amount the plan will pay). Many international major medical plans offer multiple tiers of maximums (e.g. $50K, $100K, $250K, $500K, $1M), with higher limits costing more.:contentReference[oaicite:4]{index=4}
Are there short-term vs long-term plan types available?
Yes. Some plans are short-term (e.g. for visitors, students, or temporary stay durations), often renewable, while others are longer-term for immigrants or foreign nationals staying for multiple years. Policy lengths, renewals, and availability vary by provider.:contentReference[oaicite:5]{index=5}
What documentation is typically required when applying?
Documents often required include proof of identity, visa or immigration status, possibly past medical history, sometimes proof of residence or duration of stay intent, and payment method. Some providers also want information about current health status or any pre-existing conditions.:contentReference[oaicite:6]{index=6}
How do I choose the right plan for my situation?
Consider how long you’ll stay in the U.S.; your visa or immigration status; how healthy you are; what medical services you need (e.g. maternity, mental health, prescriptions); what network of doctors or hospitals you need; your budget for premiums and out-of-pocket costs; and whether you need international coverage or medical evacuation. It’s often helpful to compare several plans and consult a broker or advisor.:contentReference[oaicite:7]{index=7}
