Husband could be denied medical coverage.

[ebonie2002 1]

My job is a little different, if you marry, you must add your spouse within the first 30 days of marriage. If you do not add them at that time, you must wait until open enrollment. My husband is still outside of the country and I was able to add him without a ss#. They only told me once he gets a number to call back and have it updated. You should definitely escalate this issue. Marriage, death, child birth and adoption are all considered "life changing" events.

[Moshin 3]

Immigrating is not the life changing event; getting married is. I was able to add my spouse soon after I got married and he is still overseas. I have Anthem. They said I can add SS# later when he arrives in US. Usually, you have to do it within a certain period of time after the event. They also provided me with details on how he can get medical attention while overseas through their global division.

Immigrating is not the life changing event; getting married is. I was able to add my spouse soon after I got married and he is still overseas. I have Anthem. They said I can add SS# later when he arrives in US. Usually, you have to do it within a certain period of time after the event. They also provided me with details on how he can get medical attention while overseas through their global division.

[rhein 451]

Sorry to hear about your husband's accident. I hope he recovers soon.

The person you spoke to about doesn't know what she's talking about. Immigrating to another country is definitely a life changing event. Speak to someone else. You may wanna check though if your insurance covers injuries/illnesses that occurred prior to the insurance date. As far as I know, most insurances only cover from the date your husband got added on the insurance.

Wrong. Thanks to the Affordable Care Act, there is no longer a pre-existing condition exclusion, period.

You do realize that you are not going to get coverage for this guy, your husband, right? Immigration issues aside, he was a major motorcycle accident and you expect him to be covered after the fact? Pre-existing ... you will never get coverage for him

Wrong, wrong, wrong.

http://www.hhs.gov/healthcare/rights/pre-existing/pre-existing-conditions.html

Edited April 28, 2015 by Jon and Sol

[raven52 233]

My wife has Cigna through her work, and looking at their web site, to add a spouse, a ss number is required.

A social security number is the easiest thing to get once you enter the USA. But you need to be married also.

[Lauren and Kevin 55]

Here's the full list taken from the Government's own screening process: (https://www.healthcare.gov/screener/marketplace.html)

Did you or anyone in your household lose health coverage in the past 60 days OR do you expect anyone in your household to lose coverage in the next 60 days?

Did any of the following apply to you or anyone in your household in the past 60 days?

Changes in household size:
Got married
Had a baby
Adopted a child or had a child placed with you for foster care
Got divorced or legally separated and lost health insurance
Death

Changes in circumstance:
Moved outside your health plan’s coverage area
Had a change in income
Changes in status:
Gained citizenship or lawful presence in the U.S.
Released from incarceration (jail or prison)
Are you a member of a federally recognized tribe, or an Alaska Native corporation shareholder?

Again, as the previous two posters have said - TraumaDoc could not be more wrong, the whole point of the ObamaCare act was to ensure existing conditions are covered, otherwise people would not have switched from any of their existing policies!

Edited April 28, 2015 by Lauren and Kevin

[Tamara/Junior 3]

Hello everyone. I got some advice from co-workers and I looked at the qualifying factors and just picked one. So I called them back and told them that he did lose his job and had previous insurance. So they added him on just like that. I am still feeling unsure about it just because they give me conflicting answers. But the lady did inform me that he would be added to my plan. We picked out everythig his medical, dental and vision plans. All she told me was to update my file ASAP when he receives his social. So hopefully, we won't have any more problems out of them. I tell ya, telling the truth gets you no where with insurance. I had to lie and create a whole back story just to put him on my insurance. It was so funy because the agent was like well I see here where your appeal was denied this morning. I was like yes it was, unfortunately due to misleading information back in November from oe of your agents, but he still qualifies from this list I found on your website!

[Maharosa 251]

Hello everyone. I got some advice from co-workers and I looked at the qualifying factors and just picked one. So I called them back and told them that he did lose his job and had previous insurance. So they added him on just like that. I am still feeling unsure about it just because they give me conflicting answers. But the lady did inform me that he would be added to my plan. We picked out everythig his medical, dental and vision plans. All she told me was to update my file ASAP when he receives his social. So hopefully, we won't have any more problems out of them. I tell ya, telling the truth gets you no where with insurance. I had to lie and create a whole back story just to put him on my insurance. It was so funy because the agent was like well I see here where your appeal was denied this morning. I was like yes it was, unfortunately due to misleading information back in November from oe of your agents, but he still qualifies from this list I found on your website!

They permitted you to do that? Very lucky! My husband comes from a country where insurance is not as common, although as of recently, they are working on making it obtainable for everyone. Sadly, while my husband is not losing medical insurance due to his moving and switching employment, he is losing access to affordable medical care and the ability to negotiate prices. I tried to explain this to my employer, and they are requiring something in writing from the Ministry of Health, they won't just take my word for it. So frustrating!

[Rob L 3,811]

My wife has Cigna through her work, and looking at their web site, to add a spouse, a ss number is required.

A social security number is the easiest thing to get once you enter the USA. But you need to be married also.

You do not need a SSN to obtain medical coverage, but it s preferred by the carrier.

[Rob L 3,811]

Hello everyone. I got some advice from co-workers and I looked at the qualifying factors and just picked one. So I called them back and told them that he did lose his job and had previous insurance. So they added him on just like that. I am still feeling unsure about it just because they give me conflicting answers. But the lady did inform me that he would be added to my plan. We picked out everythig his medical, dental and vision plans. All she told me was to update my file ASAP when he receives his social. So hopefully, we won't have any more problems out of them. I tell ya, telling the truth gets you no where with insurance. I had to lie and create a whole back story just to put him on my insurance. It was so funy because the agent was like well I see here where your appeal was denied this morning. I was like yes it was, unfortunately due to misleading information back in November from oe of your agents, but he still qualifies from this list I found on your website!

Kudos for persisting in your search for health care. Best wishes for a speedy recovery for your husband.

[Rob L 3,811]

Here's the full list taken from the Government's own screening process: (https://www.healthcare.gov/screener/marketplace.html)

Did you or anyone in your household lose health coverage in the past 60 days OR do you expect anyone in your household to lose coverage in the next 60 days?

Did any of the following apply to you or anyone in your household in the past 60 days?

Changes in household size:

Got married

Had a baby

Adopted a child or had a child placed with you for foster care

Got divorced or legally separated and lost health insurance

Death

Changes in circumstance:

Moved outside your health plans coverage area

Had a change in income

Changes in status:

Gained citizenship or lawful presence in the U.S.

Released from incarceration (jail or prison)

Are you a member of a federally recognized tribe, or an Alaska Native corporation shareholder?

Again, as the previous two posters have said - TraumaDoc could not be more wrong, the whole point of the ObamaCare act was to ensure existing conditions are covered, otherwise people would not have switched from any of their existing policies!

I think the link above applies to getting healthcare.gov coverage outside the open enrollment period and is not necessarily the same exception criteria applied to employers plans.

[Tamara/Junior 3]

Thank you guys for all the advice and responses! I am glad that I stuck with it too. But I still don't see him added on my medical plan online as of yet. I will call tomorrow if I don't see it by the end of today. And I am going to ask when does his card come in the mail or if I can print a temporary one.

[BJZags 17]

I am confused why the immigration of the husband is the "life changing event." Seems to me, it is the marriage that kicks-in the "life change" and how your husband got here is irrelevant.

[Tamara/Junior 3]

I am confused why the immigration of the husband is the "life changing event." Seems to me, it is the marriage that kicks-in the "life change" and how your husband got here is irrelevant.

I thought a spouse just immigrating would be a life changiing event but its not. Marriage is a life changing event. It would have had to happen 30 days ago. I have been married over a year now so he doesn't qualify that way. Loss of job and/or insurance of a spouse is a qualifying event. So that is the road we took.

[NikLR 13,220]

I thought a spouse just immigrating would be a life changiing event but its not. Marriage is a life changing event. It would have had to happen 30 days ago. I have been married over a year now so he doesn't qualify that way. Loss of job and/or insurance of a spouse is a qualifying event. So that is the road we took.

If your spouse had health care in their home country and that health care cannot continue because they move, that can be considered life changing enough to get health care outside of an open enrollment. Many people have had success with it. Very few on the board have not. It doesn't hurt to try if that is indeed what has happened.