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chlosicles

Is visitors insurance worth it?

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Hello everyone, apologies if this is the wrong area, but it’s another kind of question about health insurance!

I will be flying over to the US soon and we’re planning to get married within the first month of me arriving. Now, I know I can’t be added to my partners health insurance until I start the AOS process, but even then I might have to go my own route for that. But in the mean time is Visitors insurance worth it or is it just a big scam? My partner is worried about being completely insurance less just in case something major happens that is out of our control (car accident, run over, catastrophic things). 

I was looking at Patriot America, but I’m a little confused if you’re even able to get insurance whilst on a K1 visa, and if it’s just a complete waste of money. 

How quickly after filing for AOS are you able to look at the market place for health insurance? Is it worth just staying inside and becoming a hermit until that moment?

All help is appreciated :)

Edited by chlosicles

K1 JOURNEY.
I-129F sent:
31st Jan 2018 | NOA1 Received: 13th Feb 2018 | NOA2 Received: 15th Aug 2018 | At NVC: 4th Sep 2018 | At Embassy: 21st Sep 2018 | Medical: 15th Oct 2018 | Interview: 30th Oct 2018 | K1 Issued: 2nd Nov 2018 | Flight to him<3: 4th Dec 2018 | Wedding<3: 21st Jan 2019

 

AOS JOURNEY.
AOS sent: 26th Feb 2019 | NOA1 Received: 28th Feb 2019 | Biometrics: 27th March 2019 | EAD/AP: 29th July 2019 | GC Interview: 16th Oct 2019 | GC Approved: 17th Oct 2019 GC Received: 23rd Oct 2019

 

 

 

 

 

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I can’t edit it again, but basically what I’m trying to say is am I completely uninsurable until I get AOS

Is there nothing I can get in that interim time just in case something happens?

K1 JOURNEY.
I-129F sent:
31st Jan 2018 | NOA1 Received: 13th Feb 2018 | NOA2 Received: 15th Aug 2018 | At NVC: 4th Sep 2018 | At Embassy: 21st Sep 2018 | Medical: 15th Oct 2018 | Interview: 30th Oct 2018 | K1 Issued: 2nd Nov 2018 | Flight to him<3: 4th Dec 2018 | Wedding<3: 21st Jan 2019

 

AOS JOURNEY.
AOS sent: 26th Feb 2019 | NOA1 Received: 28th Feb 2019 | Biometrics: 27th March 2019 | EAD/AP: 29th July 2019 | GC Interview: 16th Oct 2019 | GC Approved: 17th Oct 2019 GC Received: 23rd Oct 2019

 

 

 

 

 

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Filed: AOS (apr) Country: Uruguay
Timeline

Good question and I had not gone through this situation yet but I'm going to take a guess.

 

Right now there is no penalty for not having any health insurance. On the other hand, it may be a bit difficult to get insurance alone assuming it asks for SSN if you don't have any but calling around may give you some help and once you are able to across several companies you can compare prices and the coverage that best suit your needs.

 

On the other hand, you have no issue of getting any health insurance if some will provide based on your situation I guess. Not working? I just might have a bad idea of using traveler health insurance until then.

 

Other may have better ideas. I want to hear them.

K-1 Visa process (I'm the USC [F]) [2018-2019]

Spoiler

Sent packet: August 10, 2018 (Lines Compressed to fit signature restriction guideline)

USCIS Received package: August 14 - Notification in text/email: August 17 - Mail received from USCIS: January 22, 2019
USCIS Approved I-129F Petition: January 17 - NVC Received Case: February 14 - NVC Case # Assigned: February 14

US Embassy Received: Not sure but got email reply - March 11 - Instructions Received via e-mail: March 19

Interview: May 7 - Approved! - Arriving to US/POE: June 12 - Married July 15, 2019

AOS Process [2019-2020]

Spoiler

Sent packet: July 27, 2019 - USCIS Received Package: July 29 - [Hiccup] Package was sent back due to incorrect fee and sent on August 5.
Notification in text/email: August 12 @ 12:30AM - Check cashed: August 12 - NOA 1 Mail: August 16 - Biometric: September 5 @ Atlanta, GA

AOS RFIE: Sept. 28 - got in mail by Oct 3. [They lost my Husband's Birth Certificate] - Sent back AOS RFIE: Oct 16 2019, at office by Oct 17.
AOS Case update notice on April 9th, 2020, waiting for mail. - Interview date: Scheduled as of July 15, date is August 19. Passed the interview!

My Husband got his GC! 2 Year Conditional Green Card expires 08/19/2022, Residence since 08/19/2020

ROC Process [2022-2024]

Spoiler

Sent packet: June 16, 2022 via USPS, USCIS Received Package: June 21
Notice in text (didn't get email nor text on other phone): June 24
Notice date: June 23, package is at SRC (Texas Service Center), Paid with Credit Card, payment taken on June 25
NOA 1 Mail: June 30, Biometric: Reused
Got letter in mail for extension: April 12th, Received date June 21, 2022, Notice date: April 5, 2023 = 48 Months Extension. No physical card yet.
Approved without interview as of Feb 15th, 2024. Was not a combo interview with N-400.

Naturalization N-400 [2023-...]

Spoiler

Filed Online: July 28, 2023NOA: July 29, 2023
Service Center: NBC, application # starts with IOE#.
Biometrics waived. Got NOA mail Jan 5, 2024 says Interview in Nashville, TN on Feb 6, 2024.
Queue for review and approval. Already in line for Oath Ceremony as of Feb 13th, 2024.

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