Jump to content
Sign in to follow this  
NB1000

Health care Options and Pitfalls

10 posts in this topic

Recommended Posts

Once I am in the US, I will have to purchase health care for myself, an HMO policy I assume. Recommendations or things to avoid. As a Canadian I know nothing about this. How much could I expect a healthy 52 year old female to cost?

Also, if I marry an American who does not have health care coverage under an HMO, can my assets be seized to pay for any medical attention he may need? I will be leaving some financial assets and a house in Canada and don't want them exposed to possible seizure by the US government. Also, if I just lived with an American long enough to be considered common-law, what might apply in this regard?

How long is a relationship deemed to be to qualify as common-law? I would be in North Carolina.

Share this post


Link to post
Share on other sites

You could get a PPO, they cost a lot less. But then you will have to pay more at time of service (deductibles and co-pays). I would estimate for a basic PPO plan, plan on spending $200 per month. HMO's are much more. I'm in California though and everything costs more here. It could be less in North Carolina.

As for common-law, again I'm speaking from a California perspective, but it doesn't mean much here. I mean, you're not financially responsible for someone you just live with. And, the U.S. gov't isn't who you'd owe money to anyway, it would be whatever health care provider your husband built up charges with.

I don't know if I'm explaining this well. I've gone over it and over with my husband (he's Canadian) and he's always shocked at how much we pay for healthcare.

ETA: I just checked and North Carolina doesn't recognize common-law marriage.

Edited by SterlingDandT

AOS

5/16/2012 - Package delivered to Chicago Lockbox at 1:33pm

5/21/2012 - Email/text notifications received at 4:50 p.m.

5/26/2012 - NOA hard copies received for I-130, I-485 and I-765

6/19/2012 - Biometrics completed.

7/02/2012 - Text/email/hard copy notification of interview.

7/30/2012 - EAD card production ordered.

8/02/2012 - Interview @ 2:00

8/02/2012 - Email notification of GC production at 5:30pm

8/07/2012 - Second GC production email

8/07/2012 - EAD received.

8/08/2012 - GC mailed.

8/09/2012 - Welcome letter and I-130 approval letter received.

8/10/2012 - Green card received. :)

Share this post


Link to post
Share on other sites

I don't know if I'm explaining this well. I've gone over it and over with my husband (he's Canadian) and he's always shocked at how much we pay for healthcare.

Why is he shocked? I am Canadian and my husband (USC) is now paying a bit more than I was paying for my extra healthcare benefits when I lived in Canada (for dental, prescriptions etc). I am surprised how much less we pay in taxes down here in the USA as opposed to Canada (because Canadian healthcare is not free by any means).

I personally find that I am paying less for healthcare now in a tax sense at least.

Edited by sherrybaby

formerly sherrybaby

ROC Process

12-13-2013 * 90 day window to apply opens

02-24-2014 * ROC package sent to USCIS Vermont Service Center

02-25-2014 * ROC package received at USCIS Vermont Service Center

02-26-2014 * NOA1 notice date

02-28-2014 * Cheque cashed

03-05-2014 * Biometrics notice date

03-28-2014 * Biometrics Appointment in Baltimore

Share this post


Link to post
Share on other sites

Why is he shocked? I am Canadian and my husband (USC) is now paying a bit more than I was paying for my extra healthcare benefits when I lived in Canada (for dental, prescriptions etc). I am surprised how much less we pay in taxes down here in the USA as opposed to Canada (because Canadian healthcare is not free by any means).

I personally find that I am paying less for healthcare now in a tax sense at least.

Maybe because he's never paid for healthcare? Any prescriptions he ever needed he paid out of pocket, and they cost A LOT less than we pay for them.

Maybe it's about tax-brackets, but we don't pay less in taxes here than he paid there. And he used to get a GST check regularly too, so he got some money back.

Again, I didn't see where you were, but I'm in California and we pay more here than in most other states. I'm now getting health benefits through my employer (a PPO plan) and I pay nearly $700/month for 3 people. My husband finds that pretty shocking.


AOS

5/16/2012 - Package delivered to Chicago Lockbox at 1:33pm

5/21/2012 - Email/text notifications received at 4:50 p.m.

5/26/2012 - NOA hard copies received for I-130, I-485 and I-765

6/19/2012 - Biometrics completed.

7/02/2012 - Text/email/hard copy notification of interview.

7/30/2012 - EAD card production ordered.

8/02/2012 - Interview @ 2:00

8/02/2012 - Email notification of GC production at 5:30pm

8/07/2012 - Second GC production email

8/07/2012 - EAD received.

8/08/2012 - GC mailed.

8/09/2012 - Welcome letter and I-130 approval letter received.

8/10/2012 - Green card received. :)

Share this post


Link to post
Share on other sites

Once I am in the US, I will have to purchase health care for myself, an HMO policy I assume. Recommendations or things to avoid. As a Canadian I know nothing about this. How much could I expect a healthy 52 year old female to cost?

Also, if I marry an American who does not have health care coverage under an HMO, can my assets be seized to pay for any medical attention he may need? I will be leaving some financial assets and a house in Canada and don't want them exposed to possible seizure by the US government. Also, if I just lived with an American long enough to be considered common-law, what might apply in this regard?

How long is a relationship deemed to be to qualify as common-law? I would be in North Carolina.

Common-law marriage is not recognized in North Carolina. If your intention is to immigrate to the U.S., then your future husband would have to file a petition for you to live here, either the K-1 or CR-1/IR-1. http://www.visajourney.com/content/compare

Edited by LeftCoastLady

Part One: The K-1 Visa Journey:

USCIS Receipt of I-129F: January 24, 2012 | Petition Approval: June 15, 2012 (No RFEs)
Interview: October 24, 2012 - Review | Visa Delivered: October 31, 2012



Part Two: Entry and Adjusting Status:

POE: November 18, 2012 (at SFO) - Review
Wedding: December 1, 2012 | Social Security: New cards received on December 7, 2012.
AOS Package (I-485/I-765/I-131) NOA1: February 19, 2013 | Biometrics Appt.: March 18, 2013
AP/EAD Approved: April 29, 2013 | Card Received: May 6, 2013 | AOS Interview Appt.: May 16, 2013 - Approved Review Card Received: May 24, 2013

Part Three: Removal of Conditions:

Coming Soon...

"When you're born you get a ticket to the freak show. When you're born in America, you get a front row seat." – George Carlin

Share this post


Link to post
Share on other sites

I guess I should explain more. I am trying to go on a TN visa and am going through a lawyer for that. It's a legitimate situation.

I was more thinking if I lived with an American while I was there (and now I know NC does not recognize common-law, so thanks for that) or married an American and he did not have health care. Would I be responsible or do I have to factor that in.

And what is a PPO? So I can look up more.

Edited by NB1000

Share this post


Link to post
Share on other sites

I guess I should explain more. I am trying to go on a TN visa and am going through a lawyer for that. It's a legitimate situation.

I was more thinking if I lived with an American while I was there (and now I know NC does not recognize common-law, so thanks for that) or married an American and he did not have health care. Would I be responsible or do I have to factor that in.

And what is a PPO? So I can look up more.

PPO is the Preferred Provider Organization. To get a sense of your options, it may be good to check out the Wikipedia article on US healthcare, in particular, the private healthcare options. Once you decide on the type of healthcare -- HMO, PPO, etc. -- then you can start to investigate actual plans based on the insurance carrier and get an estimate on how much it will cost you.

Also, if you're planning to come on the TN visa, does your employer in the US offer healthcare? That would likely be cheaper than purchasing a plan on your own.

Edited by LeftCoastLady

Part One: The K-1 Visa Journey:

USCIS Receipt of I-129F: January 24, 2012 | Petition Approval: June 15, 2012 (No RFEs)
Interview: October 24, 2012 - Review | Visa Delivered: October 31, 2012



Part Two: Entry and Adjusting Status:

POE: November 18, 2012 (at SFO) - Review
Wedding: December 1, 2012 | Social Security: New cards received on December 7, 2012.
AOS Package (I-485/I-765/I-131) NOA1: February 19, 2013 | Biometrics Appt.: March 18, 2013
AP/EAD Approved: April 29, 2013 | Card Received: May 6, 2013 | AOS Interview Appt.: May 16, 2013 - Approved Review Card Received: May 24, 2013

Part Three: Removal of Conditions:

Coming Soon...

"When you're born you get a ticket to the freak show. When you're born in America, you get a front row seat." – George Carlin

Share this post


Link to post
Share on other sites

Employer health insurance is usually less expensive, like Leftcoast said.

If you marry someone you're usually financially responsible for their bills. But, if you had health insurance, you'd probably add your husband anyway.

FYI, it's not always easy for a non-citizen to get health insurance. Employer offered insurance might be your only option.

Edited by SterlingDandT

AOS

5/16/2012 - Package delivered to Chicago Lockbox at 1:33pm

5/21/2012 - Email/text notifications received at 4:50 p.m.

5/26/2012 - NOA hard copies received for I-130, I-485 and I-765

6/19/2012 - Biometrics completed.

7/02/2012 - Text/email/hard copy notification of interview.

7/30/2012 - EAD card production ordered.

8/02/2012 - Interview @ 2:00

8/02/2012 - Email notification of GC production at 5:30pm

8/07/2012 - Second GC production email

8/07/2012 - EAD received.

8/08/2012 - GC mailed.

8/09/2012 - Welcome letter and I-130 approval letter received.

8/10/2012 - Green card received. :)

Share this post


Link to post
Share on other sites

The most common scenario is that your employer offers a health care choice and foots part of the bill. The rest of the cost is deducted from your paycheck pre-tax.

The insurance companies and your employer have pamphlets and books that describe what is covered etc, so I would start there. I think that shopping randomly for a HMO or PPO will be very confusing. There are other options, so it's good to know where to look eventually, but this is really something you should get from your job.

Do you have a job lined up?


AOS for my husband
8/17/10: INTERVIEW DAY (day 123) APPROVED!!

ROC:
5/23/12: Sent out package
2/06/13: APPROVED!

Share this post


Link to post
Share on other sites
 
Didn't find the answer you were looking for? Ask our VJ Immigration Lawyers.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
Sign in to follow this  
- Back to Top -


Important Disclaimer: Please read carefully the Visajourney.com Terms of Service. If you do not agree to the Terms of Service you should not access or view any page (including this page) on VisaJourney.com. Answers and comments provided on Visajourney.com Forums are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Visajourney.com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. VisaJourney.com does not condone immigration fraud in any way, shape or manner. VisaJourney.com recommends that if any member or user knows directly of someone involved in fraudulent or illegal activity, that they report such activity directly to the Department of Homeland Security, Immigration and Customs Enforcement. You can contact ICE via email at Immigration.Reply@dhs.gov or you can telephone ICE at 1-866-347-2423. All reported threads/posts containing reference to immigration fraud or illegal activities will be removed from this board. If you feel that you have found inappropriate content, please let us know by contacting us here with a url link to that content. Thank you.
×