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Heracles

Health Insurance

By Heracles in Moving to the US and Your New Life In America

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kc456 Proficient

kc456   0

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Filed: AOS (apr) Country: Russia
 Timeline
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If anything, try to get "catastrophic coverage" -- a policy that would cover you if you end up in the hospital. Just the hospital stay can be $5,000 a day, not including the surgery or special procedures.

For routine health care, you can pay out of pocket, if it comes to that.

Clinics run by medical schools often offer low-cost medical care and pretty good service. I got a lot of dental work done there when I did not have dental insurance.

09-02-2005 Applications for AOS, EAD, and AP received by MSC

10-21-2005 AOS fingerprint notice for 12-08-2005

11-07-2005 AP approved

12-05-2005 Infopass appt at San Jose office for interim EAD -- Refused, because it is already approved by MSC on 11-07-2005

12-07-2005 Attempt at interim EAD at San Francisco office -- no go. Back to San Jose, where CSO (chief station officer) tells they will contact MSC via email to request permission to issue interim EAD

12-08-2005 Biometrics for AOS and EAD. Having no EAD appt letter was no problem (used EAD NOA)

12-15-2005 EAD arrived in the mail

12-24-2005 Received interview letter; interview scheduled 03-01-2006

01-28-2006 Received replacement SSN card in married name (5 wks since application)

03-01-2006 AOS interview -- approved; received stamp in the passport

03-13-2006 Green card arrived in the mail

---

Filing for removal of conditions

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Collie Proficient

Collie   122

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Filed: IR-5 Country: United Kingdom
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We are currently sorting out health insurance at the moment too and are going with a plan for me that includes dental and is $140 a month with Blue cross blue shield. Seems like a pretty good plan too from what we have read.

I-130 for both parents

March 28th 2013 - Priority date/ NOA 1
November 14th 2013 - Transferred to Nebraska Service Center

January 7th 2014 - Case changed online to approved for both

January 8th 2014 - case changed to shipped to NVC

January 9th 2014 - case changed to NOA 2 mailed

January 10th 2014 - Received the hardcopy of the NOA 2 stating that NVC would issue a case number in 30 days approx.

January 21st 2014 - Case Received at NVC

February 26th 2014 - Case numbers and IIN number received - Wrong embassy code assigned...now waiting for new case numbers.

March 3rd 2014 - Filled in DS-261 for both parents

March 5th 2014- AOS available, paid and submitted AOS packet.

March 6th 2014 - USPS shows packet was delivered at NVC

March 10th 2014 - AOS shows as paid in the CEAC portal/AOS logged into system as being received by NVC.

March 11th 2014 - New case number assigned for my Dad.

March 20th 2014 - Paid IV fee for my Mum.

March 25th 2014 - AOS accepted by NVC with no checklist.

March 26th 2014 - Filled in and submitted DS-260 for my Mum

March 31st 2014 - AOS found in my Mum's file for my Dad - accepted and placed into his file/IV fee available for my Dad and Paid.

April 1st - Mailed all civil documents to NVC for both parents.

April 3rd: IV fee shows as paid in portal/submitted DS-260 for my Dad.

April 22nd: checklist issued for civil documents - NVC error ...

April 23rd: sent another certified copy of my marriage certificate

April 24th: Case complete! :)

April 30th 2014 - Medical scheduled for parents at Knightsbridge in London

June 11th: Interview at London Embassy - Approved :)

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timelena Enthusiast

timelena   0

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Filed: AOS (pnd) Country: Russia
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Posted

My husband has group insurance at his work, and we are thinking about adding me as well. But actually I am not satisfied with the terms of his insurance even if it will cost $400 for the two of us!

First, seems like it does not cover a lot of things...

And most importantly, in the Employee/dependent information section it says that IT IS NOT FOR NEWBORN babies!

So, I am lost. We are not sure if we can afford having a baby with co-payments and terms like that :(

Can anyone advise? Could we switch to a better (and more expensive) insurance when I get pregnant or should we do it in advance? Is there any free program that covers pregnant women and newlyborn children, taking into consideration that my husband signed the affidavit of support for me (so I am not allowed to be a public charge, right?)?

Thanks!

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kc456 Proficient

kc456   0

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Filed: AOS (apr) Country: Russia
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First, seems like it does not cover a lot of things...

And most importantly, in the Employee/dependent information section it says that IT IS NOT FOR NEWBORN babies!

Maybe it means that *you* (the dependent) is not a newborn? I'd call the insurance company and find out what they mean by that. Normally you should be able to cover a new child -- the premium would go up, but you should be able to add another dependent to a plan.

09-02-2005 Applications for AOS, EAD, and AP received by MSC

10-21-2005 AOS fingerprint notice for 12-08-2005

11-07-2005 AP approved

12-05-2005 Infopass appt at San Jose office for interim EAD -- Refused, because it is already approved by MSC on 11-07-2005

12-07-2005 Attempt at interim EAD at San Francisco office -- no go. Back to San Jose, where CSO (chief station officer) tells they will contact MSC via email to request permission to issue interim EAD

12-08-2005 Biometrics for AOS and EAD. Having no EAD appt letter was no problem (used EAD NOA)

12-15-2005 EAD arrived in the mail

12-24-2005 Received interview letter; interview scheduled 03-01-2006

01-28-2006 Received replacement SSN card in married name (5 wks since application)

03-01-2006 AOS interview -- approved; received stamp in the passport

03-13-2006 Green card arrived in the mail

---

Filing for removal of conditions

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Boiler Grand Master

Boiler   43,683

Posted
Filed: K-1 Visa Country: Wales
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Posted

First, seems like it does not cover a lot of things...

And most importantly, in the Employee/dependent information section it says that IT IS NOT FOR NEWBORN babies!

Maybe it means that *you* (the dependent) is not a newborn? I'd call the insurance company and find out what they mean by that. Normally you should be able to cover a new child -- the premium would go up, but you should be able to add another dependent to a plan.

Something that varies by State, in mine the new born is covered for x days automatically and then needs to be added.

“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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Meefsgirl Apprentice

Meefsgirl   0

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Filed: AOS (pnd) Country: Australia
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Posted (edited)
We are currently sorting out health insurance at the moment too and are going with a plan for me that includes dental and is $140 a month with Blue cross blue shield. Seems like a pretty good plan too from what we have read.

This sounds good and I may look into that insurance company too.

I have a question concerning pre-existing conditions. I currently take three different medicines all the time, does having health insurance in the US mean they will help me with the costs of these medicines? They would probably cost all up about four hundred and fifty dollars a month, US.

If they don't cover for this then there is no way I can afford to live there as I couldn't live without them (I don't mean that literally.. but it would make life too hard).. :(

Edited by Meefsgirl
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Boiler Grand Master

Boiler   43,683

Posted
Filed: K-1 Visa Country: Wales
 Timeline
Posted

We are currently sorting out health insurance at the moment too and are going with a plan for me that includes dental and is $140 a month with Blue cross blue shield. Seems like a pretty good plan too from what we have read.

This sounds good and I may look into that insurance company too.

I have a question concerning pre-existing conditions. I currently take three different medicines all the time, does having health insurance in the US mean they will help me with the costs of these medicines? They would probably cost all up about four hundred and fifty dollars a month, US.

If they don't cover for this then there is no way I can afford to live there as I couldn't live without them (I don't mean that literally.. but it would make life too hard).. :(

Hardly any plans cover the total cost for meds, there are copays, often the copay is more than you would pay for a prescription elsewhere.

You need a good Group Plan, might be difficult as an Employee, better chance as an adiition to your Spouses coverage.

And of course all these plans are renewable and can change, so not something that you can guarantee long term.

US is not a good place to be with Medical needs and not a lot of money.

“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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trent Newbie

trent   0

Posted
Filed: Timeline
Posted
Hey fellow VisaJournians,

I was just wondering what everyone is doing in terms of covering themselves (or their non-US spouse) w health insurance in the US.

I managed to get a good deal from AUS were I have unlimited health insurance as well us up to $5 million personal liability coverage for $340USD. Policy is valid for 12 months.

Otherwise living on the east cost, if I got really sick I could fly to the UK for treatment, considering AUS and UK provide each others citizens free emergency medical care.

Cheers

Harry

As i have advised to some here you shopuld try getting free insurance quotes to insurance broker such as www.insurancepaylite.com wherein you can get rates and policies of 5 different companies in that way you can choose a company that will fit in your budget.

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Boiler Grand Master

Boiler   43,683

Posted
Filed: K-1 Visa Country: Wales
 Timeline
Posted

Hey fellow VisaJournians,

I was just wondering what everyone is doing in terms of covering themselves (or their non-US spouse) w health insurance in the US.

I managed to get a good deal from AUS were I have unlimited health insurance as well us up to $5 million personal liability coverage for $340USD. Policy is valid for 12 months.

Otherwise living on the east cost, if I got really sick I could fly to the UK for treatment, considering AUS and UK provide each others citizens free emergency medical care.

Cheers

Harry

As i have advised to some here you shopuld try getting free insurance quotes to insurance broker such as www.insurancepaylite.com wherein you can get rates and policies of 5 different companies in that way you can choose a company that will fit in your budget.

1. Since when have you ever paid to get an Insurance quote?

2. They are a lead generation company, basically they sell your details to local agents.

3. They only deal with those Companies/Agents who have signed up with them, which may or may not be the one for you.

“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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