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rob999

K1 Medical Insurance

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Hi All,

I'm a K1 hoping for my interview letter soon so in the meantime I am getting ready for my move to the US - one question - medical insurance. My wife-to-be has a family medical insurance with her work but it looks like it's for her "spouse" rather than for her "fiance" so there will be a period of time (say a week to two weeks) where as her fiance I can't go on her medical insurance.

What have people done (and any past experiences of) for the two or so weeks between landing on US soil to the day of getting married for health insurance? Yes I could just risk it and not worry for the couple of weeks but it only takes one accident or a car crash to then have a medical bill into the thousands which suddenly makes life very depressing.

And no, I will not have any medical or travel cover from my country of origin as that requires one to be "resident" in that country.

Thanks

Rob


K1 Timeline

November 21st 2013 - First Met

November 18th 2014 - I-129f Submitted

November 24th 2014 - NOA 1

May 22nd 2015 - NOA 2 - no RFE!

June 4th 2015 - Case Sent to NVC

June 6th 2015 - NVC receives case

June 15th 2015 - Case Sent to Embassy

June 16th 2015 - Phoned NVC and finally got case number (tried 12th June and had not been assigned)

June 16th 2015 - Medical booked

June 21st 2015 - Sent Packet "3" - DS 160 and readiness

June 25th 2015 - Embassy sends letter in receipt of receiving case

June 30th 2015 - Medical

July 28th 2015 - Interview - Approved!

August 3rd 2015 - Email request to collect from courier office (Went straight from "Ready" to "Issued" did not see AP in CEAC)

August 4th 2015 - Collected packet from Chancery Lane Courier Office

August 7th 2015 - Arrived in Houston and end of K1 journey :)

Adjustment of Status Timeline

August 10th 2015 - Applied for SSN, obtained SSN number next day

August 15th 2015 - SSN card arrived

August 20th 2015 - Married! :)

August 24th 2015 - sent packet to USCIS via FedEx [AOS, AP & EAD]

August 26th 2015 - packet received at USCIS

August 28th 2015 - NOA 1 for all three applications

September 15th 2015 - RFE - request 1040A, W2's was not enough

September 24th 2015 - Biometrics completed

September 28th 2015 - RFE response received by USCIS

October 27th 2015 - EAD approved

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You could try the federal exchange, but it is unlikely that this would be cost effective for you in the long run. I would say it's unlikely to have something to happen to you as long as you do nothing crazy. :P It's also probably unlikely to go into effect for a few weeks or longer aswell, and I'm not sure a K-1, without at least being married or starting the process to AOS is fully eligible anyway. You qualify on Obamacare special enrollment for getting married and for immigration status. The same with your fiancé/wife's insurance if you were added, so there's a waiting period either way. So my advice is, marry as soon as possible, get the AOS paperwork in, and don't do anything overly risky.

No skiing or bungee jumping for you. ;)

Edited by yuna628

K-1 - AOS & ROC Timeline  - Immigration and the Health Exchange Price of Love in the UK Thinking of Returning to UK?

 

First met: 12/31/04 - Engaged: 9/24/09
Filed I-129F: 10/4/14 - Packet received: 10/7/14
NOA 1 email + ARN assigned: 10/10/14 (hard copy 10/17/14)
Touched on website (fixed?): 12/9/14 - Poked USCIS: 4/1/15
NOA 2 email: 5/4/15 (hard copy 5/11/15)
Sent to NVC: 5/8/15 - NVC received + #'s assigned: 5/15/15 (estimated)
NVC sent: 5/19/15 - London received/ready: 5/26/15
Packet 3: 5/28/15 - Medical: 6/16/15
Poked London 7/1/15 - Packet 4: 7/2/15
Interview: 7/30/15 - Approved!
AP + Issued 8/3/15 - Visa in hand (depot): 8/6/15
POE: 8/27/15

Wedding: 9/30/15

Filed I-485, I-131, I-765: 11/7/15

Packet received: 11/9/15

NOA 1 txt/email: 11/15/15 - NOA 1 hardcopy: 11/19/15

Bio: 12/9/15

EAD + AP approved: 1/25/16 - EAD received: 2/1/16

RFE for USCIS inability to read vax instructions: 5/21/16 (no e-notification & not sent from local office!)

RFE response sent: 6/7/16 - RFE response received 6/9/16

AOS approved/card in production: 6/13/16  

NOA 2 hardcopy + card sent 6/17/16

Green Card received: 6/18/16

USCIS 120 day reminder notice: 2/22/18

Filed I-751: 5/2/18 - Packet received: 5/4/18

NOA 1:  5/29/18 (12 mo) 8/13/18 (18 mo)  - Bio: 6/27/18

 

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You could try the federal exchange, but it is unlikely that this would be cost effective for you in the long run. I would say it's unlikely to have something to happen to you as long as you do nothing crazy. :P It's also probably unlikely to go into effect for a few weeks or longer aswell, and I'm not sure a K-1, without at least being married or starting the process to AOS is fully eligible anyway. You qualify on Obamacare special enrollment for getting married and for immigration status. The same with your fiancé/wife's insurance if you were added, so there's a waiting period either way. So my advice is, marry as soon as possible, get the AOS paperwork in, and don't do anything overly risky.

No skiing or bungee jumping for you. ;)

Good points, though I'm going to Houston where the driving is uhm questionable and I have no control of some of the more crazy drivers, it only takes one as they say! Maybe wrap myself up in bubble wrap? Would be fun rolling around at the least.


K1 Timeline

November 21st 2013 - First Met

November 18th 2014 - I-129f Submitted

November 24th 2014 - NOA 1

May 22nd 2015 - NOA 2 - no RFE!

June 4th 2015 - Case Sent to NVC

June 6th 2015 - NVC receives case

June 15th 2015 - Case Sent to Embassy

June 16th 2015 - Phoned NVC and finally got case number (tried 12th June and had not been assigned)

June 16th 2015 - Medical booked

June 21st 2015 - Sent Packet "3" - DS 160 and readiness

June 25th 2015 - Embassy sends letter in receipt of receiving case

June 30th 2015 - Medical

July 28th 2015 - Interview - Approved!

August 3rd 2015 - Email request to collect from courier office (Went straight from "Ready" to "Issued" did not see AP in CEAC)

August 4th 2015 - Collected packet from Chancery Lane Courier Office

August 7th 2015 - Arrived in Houston and end of K1 journey :)

Adjustment of Status Timeline

August 10th 2015 - Applied for SSN, obtained SSN number next day

August 15th 2015 - SSN card arrived

August 20th 2015 - Married! :)

August 24th 2015 - sent packet to USCIS via FedEx [AOS, AP & EAD]

August 26th 2015 - packet received at USCIS

August 28th 2015 - NOA 1 for all three applications

September 15th 2015 - RFE - request 1040A, W2's was not enough

September 24th 2015 - Biometrics completed

September 28th 2015 - RFE response received by USCIS

October 27th 2015 - EAD approved

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There are insurance plans specifically for foreign visitors traveling in the United States. Search google for 'K1 traveler Insurance.' Be careful, much of these policies may be expensive and not provide much protection. Look for a policy underwritten by one of the major medical insurance companies. Also, to keep cost down, look for a 'catastrophic insurance plan.' These are plans that will ONLY cover accidents. They are much less expensive than insurance that cover doctor visits and checkups.

As expressed by the previous post, it would not make sense to apply for full coverage for a short time. A travel policy with a high deductible, however, to cover for accidents should not be very expensive and would prevent the problem of loosing your life savings because of an accident.

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Well, my insurance I had for years while I lived in Indonesia covered if something happened to me while I traveled or stayed outside of the country. I canceled it after my husband enrolled me to TRICARE sooner after we got married. Luckily nothing bad was happened during time period of waiting from PoE to got married and enrolled to TRICARE- interval time was about 120 days-.


Know your enemy and know yourself and you can fight a hundred battles without disaster.Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat

- Sun Tzu-

It doesn't matter how slow you go as long as you don't stop

-Confucius-

 

-I am the beneficiary and my post is not reflecting my petitioner's point of views-

 

                                       Lifting Condition (I-751)

 

*Mailed I-751 package (06/21/2017) to CSC

*NOA-1 date (06/23/2017)

*NOA-1 received (06/28/2017)

*Check cashed (06/27/2017)

*Biometric Received (07/10/2017)

*Biometric Appointment (07/20/2017)

 

 

 

 

 

 

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Thanks all for the tips, didn't think about US travel insurance so thanks for that


K1 Timeline

November 21st 2013 - First Met

November 18th 2014 - I-129f Submitted

November 24th 2014 - NOA 1

May 22nd 2015 - NOA 2 - no RFE!

June 4th 2015 - Case Sent to NVC

June 6th 2015 - NVC receives case

June 15th 2015 - Case Sent to Embassy

June 16th 2015 - Phoned NVC and finally got case number (tried 12th June and had not been assigned)

June 16th 2015 - Medical booked

June 21st 2015 - Sent Packet "3" - DS 160 and readiness

June 25th 2015 - Embassy sends letter in receipt of receiving case

June 30th 2015 - Medical

July 28th 2015 - Interview - Approved!

August 3rd 2015 - Email request to collect from courier office (Went straight from "Ready" to "Issued" did not see AP in CEAC)

August 4th 2015 - Collected packet from Chancery Lane Courier Office

August 7th 2015 - Arrived in Houston and end of K1 journey :)

Adjustment of Status Timeline

August 10th 2015 - Applied for SSN, obtained SSN number next day

August 15th 2015 - SSN card arrived

August 20th 2015 - Married! :)

August 24th 2015 - sent packet to USCIS via FedEx [AOS, AP & EAD]

August 26th 2015 - packet received at USCIS

August 28th 2015 - NOA 1 for all three applications

September 15th 2015 - RFE - request 1040A, W2's was not enough

September 24th 2015 - Biometrics completed

September 28th 2015 - RFE response received by USCIS

October 27th 2015 - EAD approved

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