Health insurance and other stuff..

[cookiehigh 0]

Hello. I am moving to the US in a month and I just found out that I cannot be added to my fiance's health (and dental) insurance. (They changed the plan on him without telling.)

This is my first time living in the US for a long time and I have no idea how things work over there. I am planing on getting a job but I don't know when. What do you suggest I do? Do I not get an insurance until I get a job? Or is there any private insurance company that offers reasonable plans?

Also, I just started learning about Social security in the US. Apparently my country (Japan) and America have a deal where they let us pay for either and both count. I have paid three years for Japanese social security and apparently I can bring it with me to the US. The question is what happens when I am unemployed? I heard that America doesn't require people to pay for social security if they don't work. Does that mean that I will start paying for social security after I get a job, and they would let me add my credits from where I left off (three years) ?

ugh, sorry I can'y explain this well enough. If there is anybody who knows about these two topics (insurance and social security) please lecture me!!

Thank you!!!

[waynelaarni 2]

As far as the Insurance(medical and dental) as soon you get here and get married you can be added to his Insurance and he needs to make a copy of you Marriage license so that you can be added to his policy, as for social security if your not working you dont have to pay anything but if you start a job that is included in many deductions to your paycheck.

Good luck !

[Teddy B 17,252]

Hi,

You can purchase visitor health insurance on a monthly basis until you are eligible for your soon to be husbands health insurance. I purchased this insurance (link below) for my wife before we were married, I wanted to make sure she would be covered in case of emergency. It costs about $90 per month and will cover most emergencies, it does not cover your normal office visits though. Congrats and good luck.

Edited: For some reason the link I provided will not work. The name of the insurance is called i/n/s/u/b/u/y remove the slahses and add the dot com at the end and that's their website.

Edited June 4, 2012 by Teddy B

[cookiehigh 0]

As far as the Insurance(medical and dental) as soon you get here and get married you can be added to his Insurance and he needs to make a copy of you Marriage license so that you can be added to his policy, as for social security if your not working you dont have to pay anything but if you start a job that is included in many deductions to your paycheck.

Good luck !

Thanks!

Like I said, his insurance would not let him add me. They changed the plan on him though...

It'd be helpful if you could tell me other options! thanks!

[cookiehigh 0]

Hi,

You can purchase visitor health insurance on a monthly basis until you are eligible for your soon to be husbands health insurance. I purchased this insurance (link below) for my wife before we were married, I wanted to make sure she would be covered in case of emergency. It costs about $90 per month and will cover most emergencies, it does not cover your normal office visits though. Congrats and good luck.

Edited: For some reason the link I provided will not work. The name of the insurance is called i/n/s/u/b/u/y remove the slahses and add the dot com at the end and that's their website.

Thank you!

My fiance's health insurance changed the plan and now they want him to pay $1000 every month to cover me. So I don't think I will try to be added to his insurance even in the future. I am planing on getting a job so hopefully I can get one then. But for now, what you suggested seems reasonable. I will take a look at the website! I appreciate it!

btw, it is so nice of you to think of your wife and take care of her insurance stuff. My fiance has no interest. He wouldn't even try to see what is available out there. I know I should be able to take care of this on my own anyways but still it makes me sad to see him being unhelpful. Especially since I have no idea where to start looking...

Sorry, I had to vent it out.

[Teddy B 17,252]

There are 2 types of plans on that website, fixed and comprehensive. The comprehensive plans are more expensive, but cover a lot more than the fixed plans do. Take some time to read through them and find the one that's right for you. The best part is that you can renew it monthly and you don't have to purchase a long term deal.

Thank you for your compliment about my taking care of my wife, I wouldn't think of having it any other way. Is there any particular reason why your boyfriend will not help you in this regard?

[cookiehigh 0]

There are 2 types of plans on that website, fixed and comprehensive. The comprehensive plans are more expensive, but cover a lot more than the fixed plans do. Take some time to read through them and find the one that's right for you. The best part is that you can renew it monthly and you don't have to purchase a long term deal.

Thank you for your compliment about my taking care of my wife, I wouldn't think of having it any other way. Is there any particular reason why your boyfriend will not help you in this regard?

I was actually just looking at the website now. They seem to offer a lot of different plans. I have to spend more time to look through this. Is this one company called I/N/S/U/B/U/Y offering multiple plans? or is it one of those websites that show a list of different offers from multiple companies?

Yea, that should be the way it is you know. I honestly don't know what his problem is.

He knew I was going out there soon yet he didn't even care to double check his insurance until I asked him to do so(which btw led to a fight since he thought I was questioning him.) And now it is less then a month away and I have to find a way to get myself an insurance, with which he hasn't offered any help.

When I ask him to research things for me he gets upset and says "I already do lots of research." But the truth is he doesn't. I would ask him questions and all he says is "yea, I don't know," and acts like it's not his problem. Since we started applying for visa, he's always been this way. I am actually pretty frustrated.

Edited June 4, 2012 by cookiehigh

[Teddy B 17,252]

I was actually just looking at the website now. They seem to offer a lot of different plans. I have to spend more time to look through this. Is this one company called I/N/S/U/B/U/Y offering multiple plans? or is it one of those websites that show a list of different offers from multiple companies?

Yea, that should be the way it is you know. I honestly don't know what his problem is.

He knew I was going out there soon yet he didn't even care to double check his insurance until I asked him to do so(which btw led to a fight since he thought I was questioning him.) And now it is less then a month away and I have to find a way to get myself an insurance, with which he hasn't offered any help.

When I ask him to research things for me he gets upset and says "I already do lots of research." But the truth is he doesn't. I would ask him questions and all he says is "yea, I don't know," and acts like it's not his problem. Since we started applying for visa, he's always been this way. I am actually pretty frustrated.

I believe they offer different plans through different companies, the one I ended up purchasing was through Atlas America, it's about half way down the page.

I'm sorry to hear that your fiance is acting this way toward you, this process is stressful enough without having to argue about it. Have you tried to talk to him about his behavior and explain to him that this move is very difficult for you without the added stress he is putting on you? Was he this way before you applied for the visa? You may want to ask him if this is what he really wants.

[cookiehigh 0]

I believe they offer different plans through different companies, the one I ended up purchasing was through Atlas America, it's about half way down the page.

I'm sorry to hear that your fiance is acting this way toward you, this process is stressful enough without having to argue about it. Have you tried to talk to him about his behavior and explain to him that this move is very difficult for you without the added stress he is putting on you? Was he this way before you applied for the visa? You may want to ask him if this is what he really wants.

ok, that makes sense. You said you got one with only emergency care right? Did that include...let's say if she hurt her ankle, or caught a cold. I believe those aren't the case of emergency but...I was curious. There was one time I sprained my ankle during my visit in the US and it hurt pretty badly for a while. Since I had insurance from back home it was covered. I was wondering if it was considered as emergency or not...

Yea...Things are very stressful at the moment. I know it's not fair to say "if he did this and that for me I would be happier" but in this case I can't help it. He might have been a whiny and a little immature time to time even before we applied for visa.

He might not be ready for this at all actually. He mentioned that this isn't going to be a marriage while we were waiting for the visa. He said that applying for this visa is so that I can get out there ans spend time with him, not for us to be an actual wife and husband. At that time I thought "what a jerk" but I took it as just his personality. He doesn't like anything romantic and he doesn't believe in marriage. So I stopped confronting him about it after a number of fights. Now that I quit my job and bought the ticket and am all set to go, this insurance stuff comes up.

When I ask him to consider where we live or tell him to start looking for what I need to do in terms of starting a new life there, all he says is "let's just wait until you get here." So honestly, I think he is just a lazy #### and that is all.

It makes me sad because I am supposed to be the happiest in my entire life, now that I am getting married. That is not the case at all...

[Teddy B 17,252]

You will need to read through the plans and find the one that best suits your needs. I found the comprehensive plans to be the better ones, they cover more.

He doesn't believe in marriage, yet you refer to him as your fiance? What type of a visa are you coming to the US on?

[cookiehigh 0]

we got fiance visa. we are getting married for sure but he just tries to hang on to his anti-marriage idea.

[rocks 494]

Yea...Things are very stressful at the moment. I know it's not fair to say "if he did this and that for me I would be happier" but in this case I can't help it. He might have been a whiny and a little immature time to time even before we applied for visa.

He might not be ready for this at all actually. He mentioned that this isn't going to be a marriage while we were waiting for the visa. He said that applying for this visa is so that I can get out there ans spend time with him, not for us to be an actual wife and husband. At that time I thought "what a jerk" but I took it as just his personality. He doesn't like anything romantic and he doesn't believe in marriage. So I stopped confronting him about it after a number of fights. Now that I quit my job and bought the ticket and am all set to go, this insurance stuff comes up.

When I ask him to consider where we live or tell him to start looking for what I need to do in terms of starting a new life there, all he says is "let's just wait until you get here." So honestly, I think he is just a lazy #### and that is all.

It makes me sad because I am supposed to be the happiest in my entire life, now that I am getting married. That is not the case at all...

Wow. I'm also sorry you are going through this. While it is hard for him to understand the stress of leaving everything and everyone you know behind, especially as he is a man (no offense men ), it seems like he isn't being understanding at all and is rebelling against commitment. Maybe you can try talking it through with him when you are both calm?

[Gosia & Tito 199]

Hello. I am moving to the US in a month and I just found out that I cannot be added to my fiance's health (and dental) insurance. (They changed the plan on him without telling.)

This is my first time living in the US for a long time and I have no idea how things work over there. I am planing on getting a job but I don't know when. What do you suggest I do? Do I not get an insurance until I get a job? Or is there any private insurance company that offers reasonable plans?

Also, I just started learning about Social security in the US. Apparently my country (Japan) and America have a deal where they let us pay for either and both count. I have paid three years for Japanese social security and apparently I can bring it with me to the US. The question is what happens when I am unemployed? I heard that America doesn't require people to pay for social security if they don't work. Does that mean that I will start paying for social security after I get a job, and they would let me add my credits from where I left off (three years) ?

ugh, sorry I can'y explain this well enough. If there is anybody who knows about these two topics (insurance and social security) please lecture me!!

Thank you!!!

Not sure it is even legal that a spouse cannot be added. I believe not.

However, at the very least within the time of arrival and marriage (if on K-1) you need to have some coverage. It is possible to get coverage such that it covers emergency situations (and not regular doctor visits), sometimes with some deductible (money up front you have to pay before the insurance kicks in). You want to make sure you understand what the definition of emergency is, and what deductible if any are there, from the provider.

It is also possible to get medical insurance to cover while in the US, depending on the country. It usually is also for emergency situations only.

[tazzie 6]

I found HCC Life Insurance to be reasonable, bought a 3 month plan which can be extended for about $150 a month. It covers dental and emergencies.

Good Luck.

[Teddy B 17,252]

I found HCC Life Insurance to be reasonable, bought a 3 month plan which can be extended for about $150 a month. It covers dental and emergencies.

Good Luck.

I found the HCC health insurance to be the best also, they are backed through Lloyd's of London, they are the same company that does the Atlas insurance I spoke of earlier.