K1 visa health insurance is a specialized health insurance policy for individuals in the US on a K1 fiancé visa. While similar to other international insurance plans, it is essential to ensure the policy covers you during the 90 days your visa is valid.
These policies can be short-term or long-term, depending on your needs, and offer flexibility in duration.
Do I Need Health Insurance With a K1 Visa?
Technically you don’t need visitor medical insurance as a fiance visa holder, but you are highly encouraged to buy health insurance since healthcare in the US is very expensive. For example, the average cost to treat a broken arm in the US is around $2,500, and that is without requiring surgery.
It’s in your best interest to purchase the plan before traveling to America to include travel coverage, e.g., cover for loss of baggage, damaged items, delayed or canceled flights. You can find health insurance plans at a comparison marketplace that allows you to compare different plans and choose the one you feel is best.
Can My Fiancé Be on My Health Insurance?
Your fiance can’t be covered by your health insurance. This is because, In most cases, health insurance companies require policyholders to have lived at least six months in the US. In addition, you can’t even include them in the same policy that your employer provides for you until you are legally married.
As a result, your fiance has to buy an international health insurance policy that covers them during their 90-day stay.
How to Get Health Insurance After Moving to the US With a K1 Visa?
You can purchase an international health care plan that covers you while in the US at comparison platforms such as Insubuy. With an international plan, you can usually get coverage for 90 days until you marry your fiance, and you can apply for domestic insurance. But, keep in mind that these plans are not extensive and don’t provide coverage for pregnancy and pre-existing conditions.
What Are the Best Health Insurance Plans for K1 Visa?
Some of the best health insurance plans for K1 visa holders include the following:
- International major medical (IMM). IMM is an international insurance plan that offers coverage outside your home country. The plan can be active from 10 days up to 330. If you purchase this policy, you can access a PPO network.
- Patriot America. You can purchase a Patriot America plan from 5 days to two years while in the US. You can get coverage for the acute onset of pre-existing conditions and access the United Healthcare PPO network with this plan.
- Atlas America. With Atlas America, you can get coverage for up to 365 days while in the US, and you can also get an extension on your insurance plan. In addition, it offers coverage for the acute onset of pre-existing conditions.
- Safe travels USA comprehensive. If you purchase Safe Travels USA, you can get have access to the First Health PPO network in the US and get coverage for sudden and onset issues due to pre-existing conditions.
For more details or a personalized quote, visit Insubuy.
How Much Does Fiance’s Health Insurance Cost?
The cost of international health insurance for fiances ranges from $90 to $300, depending on factors such as:
- The plan you select.
- Desired medical coverage.
- Additional benefits and add-ons.
What Does K1 Visa Health Insurance Cover?
K1 visa health insurance plans usually offer the following benefits:
- Doctor’s visit.
- Emergency room visits.
- Outpatient surgeries.
- Hospitalization and intensive care.
- Emergency evacuation and repatriation.
- Travel benefits (trip cancellation, loss of luggage, etc.)
- Acute onset of pre-existing conditions (health problems that appear suddenly and unexpectedly due to a pre-existing condition).
However, most plans do not cover:
- Pregnancy.
- Birth control pills.
- Dental.
- Pre-existing conditions.
Securing health insurance as a K1 visa holder is a practical step to protect yourself from high medical costs during your stay in the US. Compare available plans and choose one that fits your needs, ensuring peace of mind for you and your fiancé during this transitional period.
For tailored options, explore Insubuy to get started today.