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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 pre-existing medical

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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: Will the Inbound Immigrant insurance cover pre-existing conditions such as asthma or emphysema?

A: No, the exclusion of coverage for pre-existing medical conditions is the same for other types of individual medical insurance policies. The unique strength of this product is that people with pre-existing medical conditions are accepted for coverage regardless of their medical history. In contrast, most US domestic health insurance policies have medical eligibility requirements. The coverage is specifically priced to be affordable even to a person on minimum wage. The updated brochure for this product was published in Spanish and can be downloaded from Health insurance policies that may be purchased online are not intended to provide coverage for pre-existing medical conditions but some people have used Basic Health Insurance at that offers some minimal coverage for pre-existing medical conditions after a policy has been in force for 6 months


More resources:

Inbound Immigrant Health Insurance article: "Health Insurance for U.S. Immigrants"