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James and Leny

Health Insurance for a Fiancée


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Filed: Citizen (apr) Country: Thailand

We picked up an inexpensive "run over by a bus" travellers insuance policy to cover the time between entry and when my plan could add her after marriage (October 8 to the first of December). The real benefit of getting added to an existing plan is that the coverage generally does not have pre-existing conditions exclusions.

During our AoS interview our IO took copies of Jamnan's coverage from her date of entry but did not comment on it specifically.

Steve from


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It's dependent on your fiances policy. Mine requires us to be married and have SSN.

2011-05-21: Matched on eharmony (clearly not in my 60 mile radius preference!)

2011-07-30: Met in Ottawa

2011-08-28: Day I knew I wanted to spend my life with her

2012-01-21: I proposed, outside in the freezing cold!

2012-02-06: Mailed out K-1 via FedEX

2012-02-10: NOA1

2012-08-01: NOA2

2012-08-17: Packet 3 received (email)

2012-09-10: Packet 3 sent

2012-09-12: Packet 4 received (email) with request for 2 photos

2012-10-29: Medical in Toronto

2012-11-06: Interview - Approved!

2013-04-05: POE Thousand Islands

2013-04-20: Wedding

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Filed: Citizen (apr) Country: Uganda

As others have said, it will depend on your insurance plan. Mine allows a "domestic partner" to be added to my plan, but only after the domestic partnership is registered through the city ($65 plus an additional fee for certificate copies) for 6 months or longer. Given that our wedding was planned for a date about 7 weeks after his POE, this helped us exactly not at all.

Availability of short-term/catastrophic (as a previous poster put it: "run over by a bus") policies will vary by state. Mine (Massachusetts) does not permit them at all.

I didn't spend a great deal of time researching insurance plan solutions to our 7-week insurance gap, but from what I could tell, he wouldn't have even been eligible for the plans available directly to consumers due to enrollment period regulations, and any of those would have been >$400/month just for him (i.e. double the cost of covering an entire family on my insurance) if we could have even obtained one. But as others have mentioned, the other solution is to move the legal marriage date back to allow coverage through the spouse's plan. After he came down with a sore throat and it turned out that the walk-in clinics around here would have been ~$100 for an exam (in addition to lab tests, prescriptions, etc.), the choice became surprisingly easy.

Joy (& Aaron, who doesn't read/post here yet)

Dec. 27, 2010: First met each other in Entebbe, Uganda while I was visiting my friend/his cousin (12/27/10 - 1/10/11) (visited again Jul. 2-9, 2011 and Dec. 24, 2011 - Jan. 9, 2012; engaged 1/7/12)


Feb. 18, 2012: I-129F sent (delivered 2/21 per USPS & USCIS; NOA1 notice date 2/23/12; check cashed/email/text 2/24)

Aug. 9, 2012: NOA2!!! [NOA1 +168 days] (reached NVC 8/17, left NVC 8/20; @embassy 8/24; embassy confirmed receipt 9/5)

Oct. 24 - Nov. 8, 2012: I visited again (Nairobi: medical 10/31; interview 11/5 [NOA1 +256 days]; result--APPROVED!!!!!!!)

Nov. 15, 2012: Visa in hand (was ready for retrieval 11/12/12)

Nov. 20, 2012: POE, Boston!!! (legal marriage 12/12/12; family/friends wedding ceremony 1/12/13) (276 days)


Feb. 4, 2013: AOS packet sent (delivered 2/6, NOA1 text/email & check cashed 2/11 midnight)

Feb. 11, 2013: NOA1 notice date for I-485, EAD, AP (I-485/EAD NOA1 hard copies & biometrics appt letter arrived 2/16, badly mangled AP NOA1 arrived 2/27; biometrics done 3/4/13)

Apr. 3, 2013: EAD & AP approved (received card 4/11)

Aug. 16, 2013: I-485 approved & green card production ordered!!!! (card arrived 8/26/13) (193 days)


2015 sometime? I've slept since then.


Dec. 20, 2019: N-400 submitted online (Boston, MA field office)

Jan. 9, 2020: Biometrics

Feb. 4, 2020: updated wait time = 4 months (estimated case completion June 2020)

Aug. 7, 2020: interview scheduled (!), but no idea when

Sept. 16, 2020: interview, Boston (approved)

Sept. 24, 2020: oath ceremony, Boston---DONE!!! (279 days from submission)


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I added my wife to my plan at work on the Monday after our wedding. We were married 5 weeks after she arrived on a K1, and we didn't worry about the between time. She didn't have a SS number yet and they tried to insist on her having one. But I insisted she didn't need one, so they finally looked into it and discovered a SSN was not needed. I could add her because it was a life changing event, rather than waiting for the annual renewal time. Her immigration would have also been considered a life changing event, but our insurance doesn't allow domestic partners so we had to wait until after the wedding. Just note for those that assume it takes a marriage to have a life changing event, if you look into it, (or insist the person telling you its not life changing event) to look into it, you will probably find immigration events do qualify. The biggest issue is getting past some clerk's assumption because they've never done it before it must not be allowed, and getting them to look at the actual wording of the policy.

K1 from the Philippines
Arrival : 2011-09-08
Married : 2011-10-15
Date Card Received : 2012-07-13
Date Card Received : 2012-02-04

Sent ROC : 4-1-2014
Noa1 : 4-2-2014
Bio Complete : 4-18-2014
Approved : 6-24-2014

N-400 sent 2-13-2016
Bio Complete 3-14-2016
Oath Taking

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