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Amythyst88

i need health insurance

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hi everyone! it has been a while since i last posted a topic.

I am currently unemployed and have to sacrifice working (due to preparing for the upcoming Licensure exam on February next year). I already got my Permanent Residency from K1. My husband is working full time and on Humana Health insurance. Open enrollment will be next year March (so i can be added as his dependent).

Now, I am 4 weeks pregnant. I dont have my health insurance yet. We are looking for a health insurance where I can be qualified being Unemployed. Problem is, are there health insurance companies that considers my case - unemployed, permanent resident and currently pregnant??

i need your inputs and suggestions.

thank you!

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Yes actually reading through it. it says one of the eligibility requirement is INCOME, Pay stubs, or the employment status. Which I have none at the moment. My husband does, but not yet me. :(

If you have health insurance before but not anymore due to unemployment, it should be considered as qualifying life event to be added to your spouse's health insurance outside the yearly enrollment period.

Edited by Merrytooth

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If your husband is working and has healthcare with any major life change such as getting pregnant or marriage he should be able to add you without issue. Your spouse losing coverage is also covered under the law for him to request to add you even before open enrollment.

These changes are called Qualifying Life Events to have a change to his insurance. Have him call his insurance company and have you added asap as a dependent!!! He could have done this as soon as you were married as well, just an FYI.

Here is the link to the information from the law that he can cite if needed:

https://www.healthcare.gov/glossary/qualifying-life-event/

Edited by Kat&Jon

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Getting pregnant is NOT a qualifying life event.

You can look into getting your own coverage under your husband's insurance since you lost yours, Obamacare, or work out a payment plan for your care with a midwife or obgyn practice.

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Getting pregnant is NOT a qualifying life event.

You can look into getting your own coverage under your husband's insurance since you lost yours, Obamacare, or work out a payment plan for your care with a midwife or obgyn practice.

i have not started working here in USA because I prioritized studying for the Licensure Exam. Unexpectedly I got pregnant. So, in short never had any health insurance ever since. Still waiting for my husband's.

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On 12/27/2016 at 8:44 AM, Amythyst88 said:

i have not started working here in USA because I prioritized studying for the Licensure Exam. Unexpectedly I got pregnant. So, in short never had any health insurance ever since. Still waiting for my husband's.

When did you move here?

The act of immigrating/moving to this country counts as a "Qualifying life event", but I don't know if there is a period of time after the event that you have before it expires. You should have been able to get added to your husband's insurance when you moved here.

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https://www.healthcare.gov/glossary/qualifying-life-event/

If you go through their little checklist thing, obtaining "legal status" in the US within the last 60 days counts as a QLE. You should be able to get added to your Husband's employee based insurance if you got your visa in the last 60 days.

Also - Having a baby counts as a QLE, but not getting pregnant. So if you went that route you'd be without insurance until you give birth. Sort of silly if you ask me but oh well. Hopefully you are within 60 days of coming here.

Just looked at your timeline, seems like you've been here for more than 60 days. In that case I'm not sure what to say unless you guys have moved or made any other changes that qualify in the last 60 days.

Edited by bcking

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