Jump to content
Sign in to follow this  
CarolineM

Insurance Rant

23 posts in this topic

Recommended Posts

Filed: Citizen (pnd) Country: Australia
Timeline

So I just called risk management today to see about putting Stewart on my insurance. I hadn't done it yet - for obvious reasons, mainly that he's not in the country yet. Well, turns out that after you get married you have only 30 days to add your spouse. After that you have to wait until Open Enrollment in September when school starts again. #######?

Now what? I guess we'll have to wait until he gets it through his job, but what a gamble. Why would I pay for insurance for him for 3 months that he wasn't even in this country?

This is insane and I'm pissed. :angry::angry::angry:


Finally finished with immigration in 2012!

familyxmas-1-1.jpg

Share this post


Link to post
Share on other sites
Filed: Timeline

That's a pretty well-known requirement. There is always a predetermined window of time available after a "qualifying event" (example, marriage) in which one can make changes to a group policy.

Since you missed the window, I suggest private insurance. Shop around, you may find something that is affordable.

As for your question about fairness, I don't know. Insurance folk claim the rule is in place to prevent abuse of the system and to avoid excessive modifications to a policy during the term of the policy. But I don't know how true that is.


Man is made by his belief. As he believes, so he is.

Share this post


Link to post
Share on other sites
Filed: Citizen (pnd) Country: Canada
Timeline

Thats just a stupid made up rule.. #######, wait for open enrollment.. lol, Id tell them to bite me. Is this the company you work for or some benefits hotline? I had to go nuts to get my wife listed when she didnt have an SSN. They were just clueless.


IR1

April 14, 2004 I-130 NOA1

April 25, 2005 IR1 Received

April 26, 2005 POE Dorval Airport

May 13, 2005 Welcome to America Letters Received

May 21, 2005 PR Card in Mail

May 26, 2005 Applied for SSN at local office

June 06, 2005 SSN Received

June 11, 2005 Driver Licence Issued!

June 20, 2005 Deb gets a Check Card! Just like Donald Trump's!

Citizenship

Jan 30, 2008 N400 Mailed off to the VSC!

Feb 2, 2008 N400 Received at VSC

Feb 6, 2008 Check Cashed!

Feb 13, 2008 NOA1 Received

Feb 15, 2008 Fingerprint letter received. (Feb 26th scheduled)

Feb 18, 2008 Mailed out the old Please Reschedule us for Biometics <sigh>...

Feb 27, 2008 Received the new scheduled biometrics.

Mar 15, 2008 Biometrics Rescheduled.

Sep 18, 2008 Interview Letter Recieved.

Nov 11, 2008 Interview Passed :-).

Nov 14, 2008 Oath Cerimony.

Share this post


Link to post
Share on other sites
Filed: Citizen (apr) Country: Egypt
Timeline

Shouldn't immigration to the United States be considered a qualified life changing event?

If not, as mentioned previously, short term insurance is the way to go. It may only cover catostrophic stuff, but that's what I had out of college. I never used it, but it was good for my peace of mind knowing that if I got hit by a bus, I would have coverage.


10/14/05 - married AbuS in the US lovehusband.gif

02/23/08 - Filed for removal of conditions.

Sometime in 2008 - Received 10 year GC. Almost done with USCIS for life inshaAllah! Huzzah!

12/07/08 - Adopted the fuzzy feline love of my life, my Squeaky baby th_catcrazy.gif

02/23/09 - Apply for citizenship

06/15/09 - Citizenship interview

07/15/09 - Citizenship ceremony. Alhamdulilah, the US now has another american muslim!

irhal.jpg

online rihla - on the path of the Beloved with a fat cat as a copilot

These comments, information and photos may not be reused, reposted, or republished anywhere without express written permission from UmmSqueakster.

Share this post


Link to post
Share on other sites
Filed: Citizen (pnd) Country: Australia
Timeline

blech. What a pain. He will have a job within weeks of getting here...so maybe i'll just wait and see what he gets through them?

It's the company for whom I work! How sad.


Finally finished with immigration in 2012!

familyxmas-1-1.jpg

Share this post


Link to post
Share on other sites
Filed: Citizen (pnd) Country: Canada
Timeline

I see what you are saying, If I get Married in May, then la de da de da for four months, and then my wife falls off of a cliff, I'll suddenly remember to add her to my group policy the next day. So, the 30 day window forces you to add her immediately, or not at all, or during the short window of open enrollment.

Makes sense to me. I take back what I said about the stupid made up window.


IR1

April 14, 2004 I-130 NOA1

April 25, 2005 IR1 Received

April 26, 2005 POE Dorval Airport

May 13, 2005 Welcome to America Letters Received

May 21, 2005 PR Card in Mail

May 26, 2005 Applied for SSN at local office

June 06, 2005 SSN Received

June 11, 2005 Driver Licence Issued!

June 20, 2005 Deb gets a Check Card! Just like Donald Trump's!

Citizenship

Jan 30, 2008 N400 Mailed off to the VSC!

Feb 2, 2008 N400 Received at VSC

Feb 6, 2008 Check Cashed!

Feb 13, 2008 NOA1 Received

Feb 15, 2008 Fingerprint letter received. (Feb 26th scheduled)

Feb 18, 2008 Mailed out the old Please Reschedule us for Biometics <sigh>...

Feb 27, 2008 Received the new scheduled biometrics.

Mar 15, 2008 Biometrics Rescheduled.

Sep 18, 2008 Interview Letter Recieved.

Nov 11, 2008 Interview Passed :-).

Nov 14, 2008 Oath Cerimony.

Share this post


Link to post
Share on other sites
Filed: Citizen (pnd) Country: Australia
Timeline

true. but I maintain, why would I add him to my coverage if he's not even in America?

They should consider that. If I can show a passport stamp or somthing my 30 days should start then....:(


Finally finished with immigration in 2012!

familyxmas-1-1.jpg

Share this post


Link to post
Share on other sites
Filed: Timeline
blech. What a pain. He will have a job within weeks of getting here...so maybe i'll just wait and see what he gets through them?

It's the company for whom I work! How sad.

If I had forgotten to add my wife within the required window, I would have started looking for another job that gave me benefits immediately. Just a thought.. going without insurance is not a good idea. And pvt insurance can be expensive. Do you think you could find another comparable position easily? Just a thought.

true. but I maintain, why would I add him to my coverage if he's not even in America?

They should consider that. If I can show a passport stamp or somthing my 30 days should start then....:(

Depends on whether the insurance carrier lists arrival in the US as a qualifying event. Go higher up the food chain and speak to someone with the authority to make exceptions.


Man is made by his belief. As he believes, so he is.

Share this post


Link to post
Share on other sites
Filed: Citizen (pnd) Country: Australia
Timeline

haha no. I am a guidance counselor for the county in which I live. I have a good job that I DON'T want to change. Plus there are only two counties and the other one is WAY far for me.

Good point about the qualifying event. As of now I have a call into the ladies "supervisor"

we'll see if I get a call.


Finally finished with immigration in 2012!

familyxmas-1-1.jpg

Share this post


Link to post
Share on other sites
Filed: Citizen (pnd) Country: Australia
Timeline

i feel dumb. I thought I was being so pro-active - getting this all sorted a MONTH before Stewart got here. Little did I know.


Finally finished with immigration in 2012!

familyxmas-1-1.jpg

Share this post


Link to post
Share on other sites
Filed: Citizen (pnd) Country: Australia
Timeline

Thanks, as always, for all your help guys. I really appreciate it :) I will press the issue and make sure I talk to someone higher up!

Feeling a bit better now!


Finally finished with immigration in 2012!

familyxmas-1-1.jpg

Share this post


Link to post
Share on other sites
Filed: Timeline

karo,

One more thing.. my employer recently started offering "domestic partner" coverage, which is available to same-sex and opposite-sex couples. I wonder if they'd be willing to provide that to a spouse after you've lived together for the required number of months. Maybe not since you're married? Anyway your employer may not even have this.. but I'd check it out if I were you.


Man is made by his belief. As he believes, so he is.

Share this post


Link to post
Share on other sites
Filed: Citizen (apr) Country: Morocco
Timeline

You should look into the details further. Usually a qualifying life event would be one of the following:

Marriage

Birth, Adoption, Guardianship

Divorce

Spouse Loss of Insurance or Employment

Spouse gains employment

Transfer or Family move

Dependent Loss of Eligibility

Immigration should fall into the "Family move" category, so do some research. Call your insurance provider directly and ask for more details about qualifying events. I would be willing to bet that you can get this resolved without changing jobs or paying for private insurance.

Share this post


Link to post
Share on other sites
 

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.
×
×
  • Create New...