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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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Inbound immigrant insurance questions

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: Our friends have just immigrated from Ukraine to USA (Tennessee). We have these questions: 1) The $150 deducible that is per incident... is this only for major medical emergency? Or can they also visit the doctor when sick for regular office visits? What is the co-pay for office visits? 2) At the end of the 3-month period, can this insurance be renewed month-by-month? (Or is a three-month minimum per purchase of coverage required)? 3) What is the medical coverage in the event of a pregnancy? 4) What are the rates?

A: This policy uses a per person deductible applicable to all expenses. This is not a per incident deductible. There are no doctor visit co-pays after meeting the deductible. This insurance is renewable month-to-month for up to five years. Some people opt to pay on a quarterly (3 month) basis. Maternity expenses are covered the same as any other medical expense after the policy has been in force for 3 months. The rates and all other information about this insurance are posted at


More resources:

Inbound Immigrant Insurance