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Vengatore

Insurance for the gap between arrival and wedding

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Dear all,

I am 3 weeks away from my departure to the US with a K1 visa and wanted to book health insurance because there will be almost 2 months between arrival and wedding date.

Thanks to the forum I have learned that the travel insurance is not valid for my case, I am already grateful for that because I was going to book that...

I know that there are a lot of topics in this forum about this, but I realized that almost none of them talk about concrete products, can someone recommend an insurance company or an specific plan to be covered for 90 days until my fiancée can include me in her plan after the wedding?

I found this plan called Inbound Guest from a company called Seven Corners:

https://www.sevencorners.com/inbound-guest#/

It charges $76.86 for two months of coverage ($45,000 Maximum). But as a european I've NO IDEA about what that means of if it is a good deal....

If someone used this plan before and can share their experience or if you can recommend me something else or give me any tips, I will be very grateful :)

Best,


K1

 

Spoiler

I-129F sent : 30 November 2015
I-129F NOA1 : 16 December 2015
I-129F NOA2 : 02 February 2016
Packet 3 received : 29 February 2016
Packet 3 sent : 28 April 2016
Packet 4 received : 06 May 2016
Interview date : 13 June 2016 (Result: Administrative Review, document needed)
Visa received : 11 July 2016

 

AOS
 

Spoiler

 

US entry : 09 September 2016
I-94 downloaded: 27 September 2016

SS number requested: 28 September 2016
SS number established: 25 October 2016
Marriage ceremony: 02 December 2016
AOS sent to Chicago lockbox: 16 January 2017
Case accepted confirmation by email/sms: 27 January 2017
NOA1 received: 03 February 2017
Biometrics appointment letter received: 06 February 2017

Biometrics passed: 08 Februay 2017 (walk-in)
EAD status updated to "New Card Is Being Produced": 01 May 2017
NOA for EAD and AP received: 04 May 2017
EAD mailed: 04 May 2017

Combo Card in hand: 06 May 2017

I-485 status updated to "New Card Is Being Produced": 15 July 2017
NOA for Green Card received: 20 July 2017
Green Card in hand: 21 July 2017

 

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We bought that one AND we had to use it since my son ended at the ER after a bad shot! .... It's all still in progress so can't tell yet how they are guess we'll find out here very soon.


K-1 + K-2:                                                                                                                                AOS from K-1 + K-2:

02/02/16....I-129F mailed to Lewisville, TX                                                                       08/25/16....AOS package mailed to Chicago, IL

02/03/16....Delivered at Lewisville, TX                                                                               08/26/16....Delivered at Chicago, IL

02/08/16....NOA1 Text & E-mail. Case sent to CSC                                                         09/01/16....NOA1 Text & E-mail

02/12/16....NOA1 Hard copy received                                                                               09/09/16....NOA1 Hard copy received

03/24/16....NOA2 (45 days)                                                                                                 09/15/16....Bio-letter received for K-1/K-2 for Sep. 26th

03/29/16....NOA2 Hard copy received                                                                               09/19/16....Bio appointment done (Walk-in)

03/31/16....Medical                                                                                                              11/01/16.....EAD/AP approved

05/26/16....Interview                                                                                                            11/16/16.....EAD/AP card received

06/10/16....Visa in hand                                                                                                       03/08/17.....AOS Approved - No interview

06/21/16....POE Atlanta                                                                                                       03/15/17.....Green cards in hand

07/30/16....Wedding                                                                                                    

                                                                                                                                       12/08/18.....ROC window opens

 

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We bought that one AND we had to use it since my son ended at the ER after a bad shot! .... It's all still in progress so can't tell yet how they are guess we'll find out here very soon.

I am so sorry to hear that! I wish your son a prompt recovery!


K1

 

Spoiler

I-129F sent : 30 November 2015
I-129F NOA1 : 16 December 2015
I-129F NOA2 : 02 February 2016
Packet 3 received : 29 February 2016
Packet 3 sent : 28 April 2016
Packet 4 received : 06 May 2016
Interview date : 13 June 2016 (Result: Administrative Review, document needed)
Visa received : 11 July 2016

 

AOS
 

Spoiler

 

US entry : 09 September 2016
I-94 downloaded: 27 September 2016

SS number requested: 28 September 2016
SS number established: 25 October 2016
Marriage ceremony: 02 December 2016
AOS sent to Chicago lockbox: 16 January 2017
Case accepted confirmation by email/sms: 27 January 2017
NOA1 received: 03 February 2017
Biometrics appointment letter received: 06 February 2017

Biometrics passed: 08 Februay 2017 (walk-in)
EAD status updated to "New Card Is Being Produced": 01 May 2017
NOA for EAD and AP received: 04 May 2017
EAD mailed: 04 May 2017

Combo Card in hand: 06 May 2017

I-485 status updated to "New Card Is Being Produced": 15 July 2017
NOA for Green Card received: 20 July 2017
Green Card in hand: 21 July 2017

 

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Unfortunately we can not do that as the parents of my fiancée will be on a trip and we have to wait for them to come back so they can attend to the wedding :)


K1

 

Spoiler

I-129F sent : 30 November 2015
I-129F NOA1 : 16 December 2015
I-129F NOA2 : 02 February 2016
Packet 3 received : 29 February 2016
Packet 3 sent : 28 April 2016
Packet 4 received : 06 May 2016
Interview date : 13 June 2016 (Result: Administrative Review, document needed)
Visa received : 11 July 2016

 

AOS
 

Spoiler

 

US entry : 09 September 2016
I-94 downloaded: 27 September 2016

SS number requested: 28 September 2016
SS number established: 25 October 2016
Marriage ceremony: 02 December 2016
AOS sent to Chicago lockbox: 16 January 2017
Case accepted confirmation by email/sms: 27 January 2017
NOA1 received: 03 February 2017
Biometrics appointment letter received: 06 February 2017

Biometrics passed: 08 Februay 2017 (walk-in)
EAD status updated to "New Card Is Being Produced": 01 May 2017
NOA for EAD and AP received: 04 May 2017
EAD mailed: 04 May 2017

Combo Card in hand: 06 May 2017

I-485 status updated to "New Card Is Being Produced": 15 July 2017
NOA for Green Card received: 20 July 2017
Green Card in hand: 21 July 2017

 

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Obviously the cover is very limited, may be better than nothing.


“If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.”

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I am so sorry to hear that! I wish your son a prompt recovery!

Thanks he is fine aging luckily ... the claim is in and hope to hear soon.

But at least something is better then nothing!


K-1 + K-2:                                                                                                                                AOS from K-1 + K-2:

02/02/16....I-129F mailed to Lewisville, TX                                                                       08/25/16....AOS package mailed to Chicago, IL

02/03/16....Delivered at Lewisville, TX                                                                               08/26/16....Delivered at Chicago, IL

02/08/16....NOA1 Text & E-mail. Case sent to CSC                                                         09/01/16....NOA1 Text & E-mail

02/12/16....NOA1 Hard copy received                                                                               09/09/16....NOA1 Hard copy received

03/24/16....NOA2 (45 days)                                                                                                 09/15/16....Bio-letter received for K-1/K-2 for Sep. 26th

03/29/16....NOA2 Hard copy received                                                                               09/19/16....Bio appointment done (Walk-in)

03/31/16....Medical                                                                                                              11/01/16.....EAD/AP approved

05/26/16....Interview                                                                                                            11/16/16.....EAD/AP card received

06/10/16....Visa in hand                                                                                                       03/08/17.....AOS Approved - No interview

06/21/16....POE Atlanta                                                                                                       03/15/17.....Green cards in hand

07/30/16....Wedding                                                                                                    

                                                                                                                                       12/08/18.....ROC window opens

 

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There is nothing wrong with using this sort of insurance temporarily, as long as you are confident your fiancé will be adding you to their plan after marriage or you intend to purchase a plan of your own that is not temporary. Keep in mind that temporary insurances marketed toward visitors and new immigrants are not federally compliant, and this means if you have pre-existing conditions they will not be covered.. results for the rest of the coverage offered, may vary. Long term use of such a plan means that the tax penalty will still apply.


K-1 - AOS & ROC Timeline  - Immigration and the Health Exchange Price of Love in the UK Thinking of Returning to UK?

 

First met: 12/31/04 - Engaged: 9/24/09
Filed I-129F: 10/4/14 - Packet received: 10/7/14
NOA 1 email + ARN assigned: 10/10/14 (hard copy 10/17/14)
Touched on website (fixed?): 12/9/14 - Poked USCIS: 4/1/15
NOA 2 email: 5/4/15 (hard copy 5/11/15)
Sent to NVC: 5/8/15 - NVC received + #'s assigned: 5/15/15 (estimated)
NVC sent: 5/19/15 - London received/ready: 5/26/15
Packet 3: 5/28/15 - Medical: 6/16/15
Poked London 7/1/15 - Packet 4: 7/2/15
Interview: 7/30/15 - Approved!
AP + Issued 8/3/15 - Visa in hand (depot): 8/6/15
POE: 8/27/15

Wedding: 9/30/15

Filed I-485, I-131, I-765: 11/7/15

Packet received: 11/9/15

NOA 1 txt/email: 11/15/15 - NOA 1 hardcopy: 11/19/15

Bio: 12/9/15

EAD + AP approved: 1/25/16 - EAD received: 2/1/16

RFE for USCIS inability to read vax instructions: 5/21/16 (no e-notification & not sent from local office!)

RFE response sent: 6/7/16 - RFE response received 6/9/16

AOS approved/card in production: 6/13/16  

NOA 2 hardcopy + card sent 6/17/16

Green Card received: 6/18/16

USCIS 120 day reminder notice: 2/22/18

Filed I-751: 5/2/18 - Packet received: 5/4/18

NOA 1:  5/29/18 (12 mo) 8/13/18 (18 mo)  - Bio: 6/27/18

 

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I don't have experience with short term health insurance but here are 2 resources.

From <http://www.visajourney.com/forums/topic/534496-health-insurance-on-k1-between-arrival-and-marriage/>

And

http://www.immigrationhealth.com/plans.htm


Spoiler

Adjustment of Status

AOS March 5, 2014 Submitted AOS with EAD/AP package to Chicago USICS

Delivered March 8, 2014 AOS packaged delivered to USCIS drop box

Accepted March 19, 2014 Text message with receipt numbers

Biometrics April 16, 2014 Biometrics completed

EAD May 23, 2014 Employment Authorization Document approved and went to card production

TD May 23, 2014 Travel Document approved and went for card production

Receipt EAD/AP May 30, 2014 Received combo card EAD/AP

Green Card Approved July 11, 2014 Approved, no interview. Went to card production.

Green Card received July 17, 2014 GC received without interview

Removal of Conditions

Mailed I-751 Dec 16, 2015 Submitted ROC (removal of conditions)

Received Dec 18, 2015 USPS notification of successful delivery

Check Cashed Dec 21, 2015 Check was cashed

NOA-1 Issued Dec 21, 2015 NOA-1 for ROC issued

NOA-1 Issued Dec 26, 2015 NOA-1 Received

Biometrics Appt. Jan 29, 2016 Biometrics Appointment Scheduled [Completed]

 

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Medicaid is a means tested benefit, it is not an option

I don't know what that means but my cousin recently came to the US with visa, I helped him apply for insurance and he was approved for NY state health insurance (he pays nothing for it due to low income.) It is income based and I don't see why it would not be an option.

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NY and a few other places are odd.


“If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.”

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