Health Insurance

[sy1983 31]

22 minutes ago, Keeley said:

No, I won't qualify. The state is Oregon if that helps. I didn't realize the dates of coverage were different state by state under the ACA.

Several options come to my mind. 
1)Give birth abroad and file CRBA which is super easy and takes about a month for the entire process up until getting the US passport. 
2)A full time job would offer health insurance for spouse and family members. 
3) Call Medi-care in your state and ask for assistance, they are lenient with pregnancy and children, sometimes there are programs they can put you in for the mean time
4) Look for an insurance agent instead of getting bombard with ads online, they are usually quite knowledgeable  

[Keeley 67]

1 minute ago, sy1983 said:

Several options come to my mind. 
1)Give birth abroad and file CRBA which is super easy and takes about a month for the entire process up until getting the US passport. 
2)A full time job would offer health insurance for spouse and family members. 
3) Call Medi-care in your state and ask for assistance, they are lenient with pregnancy and children, sometimes there are programs they can put you in for the mean time
4) Look for an insurance agent instead of getting bombard with ads online, they are usually quite knowledgeable  

Thanks! Those last two options seem like good options for me! I'll investigate.  

[Daisy.Chain 317]

Can you come 2 weeks early, to meet the 28 wk mark?

[Keeley 67]

1 minute ago, Daisy.Chain said:

Can you come 2 weeks early, to meet the 28 wk mark?

Unfortunately not. Since we only just got my husband's visa, we both have to finish up at work and sell our stuff before we can go.

[Sarah&Facundo 576]

Would you ever consider bumping your flight up a day to December 1st? It seems like the simplest option.

[Keeley 67]

1 hour ago, Sarah&Facundo said:

Would you ever consider bumping your flight up a day to December 1st? It seems like the simplest option.

We could, but would like that to be a last resort. It appears that I can buy some short-term health insurance that would cover us and that would actually be cheaper than switching the flights, so will likely go with that if my regular insurance won't allow me prorated coverage in November.

[chlosicles 65]

9 hours ago, Keeley said:

We could, but would like that to be a last resort. It appears that I can buy some short-term health insurance that would cover us and that would actually be cheaper than switching the flights, so will likely go with that if my regular insurance won't allow me prorated coverage in November.

Can I just ask what website you’re looking at when it comes to getting short term health insurance please?

[Keeley 67]

On 10/26/2018 at 7:17 PM, chlosicles said:

Can I just ask what website you’re looking at when it comes to getting short term health insurance please?

I looked at a couple of different sites, but just googled short-term health insurance to see what came up and I didn't end up purchasing a plan, so I cannot vouch for legitimacy of the sites. One I looked at that let me compare plans was this one: https://shorttermhealthinsurance.com/

 

I learned a few things since my last post and one is that short-term health insurance doesn't cover pre-existing conditions (and isn't required to as it falls outside the ACA). It could be used as gap coverage for potential unexpected emergencies, but it won't meet the requirements for health coverage so you could still get penalised as a new immigrant if you took out one of these policies.

 

For any Aussies who might be following this or have a similar issue to mine in the future, though: I found a travel insurance company that covers one-way trips AND covers pregnancy up to 32 weeks! https://www.insureandgo.com.au/one-trip-travel-insurance.jsp Taking out this plan is much cheaper than the cost of changing flights, so that's what I went for!