The official FAQ describes separate instructions for visa fees and payment for the required medical examination. Do not assume the initial processing charge covers every expense.
Keep a separate allowance without inventing a fee
Use the actual current instructions and provider charges. Private insurance and ongoing treatment are separate planning items, and neither should be represented as a credit against the US$1 million individual gift.
The current FAQ describes 1% annual maintenance and a 5% transfer fee including a new background check. Separate the processing fee, government gift, joining-family charges, professional services and ordinary moving expenses. The official page sets a nonrefundable processing fee and a gift per person, with a corporate track at its own figures. Include the published processing and continuing programme charges relevant to the actual arrangement. Place the private vendor’s invoice on a separate ledger from government-program payments. The processing charge is paid up front merely to have a file examined, and it is not returned whatever the outcome. The Gold Card is not a conventional visa: it describes a payment by the applicant to the U.S. government, rather than an investment that creates ownership or a return.