Leaving your homeland for a new life in the United States can be exciting and overwhelming. More than likely, you studied hard to prepare for the new culture, new food, new schools, new experiences, and maybe even a new language. Perhaps what you hadn't planned for was the high cost of medical care and the related complications of obtaining health insurance. With the ever changing policies regarding immigrants, some agencies are beginning to require proof of adequate health insurance. If others begin to follow suit, what is now a 'nice to have' could become a 'must have.' Consider the options. The verdict is still out on whether support will continue for non-US citizens who legally immigrate into the country. Fortunately, there are a number of options available to help protect your families and loved ones.

Do your homework. Just like anything else, you need to take time to research, ask questions, and perhaps even keep a journal or file of everything you find. Then proceed to determine what works best for your needs. Qualifying for health care is not automatic, however, insurance can be provided for those who have plans to immigrate to the United States. To start, you'll need to possess a green card or be in the US on a temporary work assignment with a H1, H4, L1 or L2 visa.

How plans work. Health plans for immigrants are available in varied terms, ranging from 30 days to 5 years. Consider your household budget and whether renewable monthly, quarterly, semi-annual or annual premiums fit best. It's important to note that grandparents or elderly family members over 65 years old are generally unable to qualify for Medicare until they become citizens. So, be certain to take them into consideration when you're contemplating the right plans.

What plans cover. Similar to most health insurance plans, you can expect hospital, medical, some dental, ambulatory, accidental death and dismemberment to be covered. Benefits vary to it's important to ask what's covered before signing on the dotted line.

Get some help. With so much information to grasp, you may want to turn for help to make sense of it all. Look for local organizations or health care advocates that understand how things work. Several websites offer online quotes to give you an idea of cost as well as contact information for professionals who can answer specific questions.

It can take several years to become a naturalized citizen after arriving in the United States. Health insurance for immigrants or non-US citizens can help bridge the gap. In the meantime, do your homework, find a plan that best suits your needs, and put a wall of security around your family and loved ones.