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FewerHatsPlz

Medical Insurance Needed ASAP :(

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Hi guys,

Having a bit of a stressful time at the moment, and I'm hoping maybe someone could offer me some info that might help...

I was granted my K1 towards the end of April. My ticket is booked to fly to Minneapolis next Thursday (14th May). In the last couple of weeks I've discovered that I have an unknown medical problem that requires me to see a urologist for a diagnosis. My doctor has tried treating me with antibiotics to no effect, so the only option now is that I get referred.

I really don't want to cancel my flight and my wedding. So my question is - if travel to the U.S. and get married to my fiance, can she add me to her health insurance and cover me to go see a urologist? Because I've already seen a doctor about this problem, I'm guessing it classes as a pre-existing condition. I understand that as of 2014, healthcare providers can no longer discriminate against people with pre-existing conditions, but does that apply to me as an immigrant? We'll be married but I won't have a green card, and will need to see a urologist asap.

My last resort option is to stay here and get referred to the NHS, who could see me next month. But obviously I really don't want to push my wedding back several more months!

Help!

Edited by FewerHatsPlz

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1. Assuming your fiancee's employer provides that benefit (insurance to family members), yes you should be able to be added right after you become married since it is a life-changing event. Your wife should talk to her HR department and find out what you all need to do to get you on her insurance.

2. In case your fiancee's employer doesn't provide that benefit (which is unlikely), you should be able to get insurance ASAP through a health exchange via the ACA/Obamacare.

3. You're right about pre-existing condtions. You don't have to worry about that.

Edited by usmsbow

Removing Conditions Timeline

Aug. 10, '17: Mailed in I-751

Aug. 21, '17: NOA1

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Hi, I just wanted to add what I've experienced so far trying to get my now husband onto my health insurance. He came here at the end of February on a K-1, and we got married last Sunday. My insurance is through my state's marketplace, and when I went to the marketplace to try to add him to my insurance, it required information that we didn't have..such as an NOA for the AOS. I would suggest that your fiance contacts her health insurance company ASAP to see what options you two have in regards to you being added, since each company would probably be different anyways. Worst case scenario, you may be able to go to a low-cost clinic too.

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Go private in the UK and get er done.


“If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.”

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My fiance's insurance is through the state marketplace I think. She has been trying to call them for a couple of days now to clarify, but can never get through due to the call wait times.

Ahh okay. I used healthcare.gov to help determine whether my husband could be added yet. Here is the url: https://www.healthcare.gov/immigrants/immigration-status/

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You could pay also cash to see the urologist in Minneapolis.

I don't know how much doctors charge in MN, but here in DC, it costs a few hundred dollars to visit a specialist w/out insurance. And that's excluding any tests one might need to get.


Removing Conditions Timeline

Aug. 10, '17: Mailed in I-751

Aug. 21, '17: NOA1

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Under the new laws, the "marketplace" will cover you for preexisting conditions. They can not exclude you for that. However with the marketplace you will have a wait to be added to her insurance, and it is difficulty getting someone on the phone, and navigating through the website to add you once you are married. You could wait until you get to the united states, and find a urologist that works on a sliding scale, or that will make payment plans with you.


 

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Will take time to get insurance and then find a doctor who will take it and and and.


“If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.”

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From what I've been told, it's unlikely to be life-threatening or serious... but at the moment it's just unknown.

Can anyone advise generally on what wait times would be like if I just bit the bullet and paid for a urology appointment outside of insurance? Are we talking weeks or months (my only frame of reference here is the NHS, where you have to wait around for anything).

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From what I've been told, it's unlikely to be life-threatening or serious... but at the moment it's just unknown.

Can anyone advise generally on what wait times would be like if I just bit the bullet and paid for a urology appointment outside of insurance? Are we talking weeks or months (my only frame of reference here is the NHS, where you have to wait around for anything).

A day or two. Week at the very most. I've never seen a urologist, but I've never had a problem getting an appointment with a specialist ASAP. US health care has its problems, but getting a doctor's appointment in a timely manner isn't one of them.


Removing Conditions Timeline

Aug. 10, '17: Mailed in I-751

Aug. 21, '17: NOA1

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From what I've been told, it's unlikely to be life-threatening or serious... but at the moment it's just unknown.

Can anyone advise generally on what wait times would be like if I just bit the bullet and paid for a urology appointment outside of insurance? Are we talking weeks or months (my only frame of reference here is the NHS, where you have to wait around for anything).

It won't be long at all. I would say 1-2 weeks max, but it could be even sooner. You can call around to a lot of different urologists in the area and see who has the soonest availability. Bear in mind, though, that a 'new patient' appointment is longer and some offices may have a longer wait time for a new patient then a returning patient.

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