Health Insurance Options for Parents with Newly Granted US Green Cards
I’m looking for health insurance options for my parents, who are both over 65 and just received their Green Cards through family sponsorship. They are arriving in Texas in May 2025 to finalize their landing process. Can anyone recommend where I can find suitable health insurance for them? Thank you!
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Congratulations on your parents receiving their Green Cards! In Texas, there are several options for obtaining health insurance for them as newly arrived residents. Here are some suggestions:
Marketplace Insurance: They can apply for health insurance through the Health Insurance Marketplace during the Open Enrollment Period. Since they are 65+, they may also qualify for some specific plans if they have certain qualifying events.
Medicare: If they are 65 years old or older, they can apply for Medicare, which is a federal health insurance program for seniors. They may need to enroll during the Initial Enrollment Period, which starts three months before they turn 65. Since they just received Green Cards, they may be eligible for Medicare right away if they meet other criteria.
Medicaid: Depending on their income and assets, they might qualify for Medicaid in Texas. This program provides health coverage for lower-income individuals, and eligibility varies by state.
Private Health Insurance Plans: There are many private insurance companies that offer plans tailored for seniors. Companies like Blue Cross Blue Shield, Aetna, and UnitedHealthcare often provide specific plans for individuals over 65.
Short-term Health Insurance: If there is a gap before they can enroll in a more permanent plan, short-term health insurance might be an option. This type of insurance generally provides limited coverage but can be useful for transitional periods.
Consult an Insurance Agent: It may be beneficial to speak with a licensed insurance agent who specializes in health insurance for seniors. They can help navigate the options available and find the best plan that meets their needs.
Make sure to have all necessary documents and information ready when applying, including their Green Cards, income documentation, and any important health information. It’s also a good idea to compare different plans to find the best coverage and premiums.