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Scottish Mernymph

Pre marriage health insurance cover

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Currently investigating how to ensure I'm covered for the period of entering the US until we marry & I can access husband's health insurance.
Of course it's going to(probably) be just a little more difficult/awkward/costly due to my having had breast cancer in 2017.

Any advice very much appreciated thanks

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Just now, Scottish Mernymph said:

Currently investigating how to ensure I'm covered for the period of entering the US until we marry & I can access husband's health insurance.
Of course it's going to(probably) be just a little more difficult/awkward/costly due to my having had breast cancer in 2017.

Any advice very much appreciated thanks

Make sure you bring 6 months of medication with you.. 

You can get temporary insurance.. but it is for major medical events only,,, no regular GP visits or meds etc.. and exclude all preexisting medical conditions.

You can use ACA marketplace.. Obama care  .. to buy private insurance and it will cover preexisting etc.. won't be cheap but will give you peace of mind. 

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Just now, Scottish Mernymph said:

Currently investigating how to ensure I'm covered for the period of entering the US until we marry & I can access husband's health insurance.
Of course it's going to(probably) be just a little more difficult/awkward/costly due to my having had breast cancer in 2017.

Any advice very much appreciated thanks

I had a special insurance from the Netherlands for the period that I wasn't on my husbands insurance yet. Didn't have to use it, but it did cover full medical expense and was pretty cheap. Maybe the UK has something like that too

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21 minutes ago, Scottish Mernymph said:

Currently investigating how to ensure I'm covered for the period of entering the US until we marry & I can access husband's health insurance.
Of course it's going to(probably) be just a little more difficult/awkward/costly due to my having had breast cancer in 2017.

Any advice very much appreciated thanks

I think I mentioned some basics of healthcare stuff to you in another thread perhaps, but to followup: if you're just looking for basic peace-of-mind insurance that's temporary and will not cover pre-existing conditions there's plenty of temporary insurances marketed towards new immigrants. But based on your previous diagnosis nothing about that will be covered. You also wouldn't be able to sign up to O'care (ACA) until you have some eligibility and an actual status that a K1 won't give you (that means marriage + NOA1 for AOS, or an EAD, or green card whichever is earliest)... and you mentioned being eligible for husband's insurance after marriage anyway. Your best bet here is having some temporary insurance if you are concerned (but understand it really will not cover that much for you), getting married as soon as possible and then getting on your husband's insurance, file for AOS and signing up to the ACA, or buying privately. These last three options will cover any and all pre-existing conditions.


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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3 minutes ago, yuna628 said:

I think I mentioned some basics of healthcare stuff to you in another thread perhaps, but to followup: if you're just looking for basic peace-of-mind insurance that's temporary and will not cover pre-existing conditions there's plenty of temporary insurances marketed towards new immigrants. But based on your previous diagnosis nothing about that will be covered. You also wouldn't be able to sign up to O'care (ACA) until you have some eligibility and an actual status that a K1 won't give you (that means marriage + NOA1 for AOS, or an EAD, or green card whichever is earliest)... and you mentioned being eligible for husband's insurance after marriage anyway. Your best bet here is having some temporary insurance if you are concerned (but understand it really will not cover that much for you), getting married as soon as possible and then getting on your husband's insurance, file for AOS and signing up to the ACA, or buying privately. These last three options will cover any and all pre-existing conditions.

Thanks Yuna, yeah we're planning on getting married 1st May so I'll probably only be looking at about a month or two maximum in terms of coverage....I'm completely cancer free now(yay) so no concerns about requiring any ongoing treatment. Really just want to be covered for emergencies just in case

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Google new immigrant insurance, none of them are good but may do what you want.


“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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1 hour ago, yuna628 said:

I think I mentioned some basics of healthcare stuff to you in another thread perhaps, but to followup: if you're just looking for basic peace-of-mind insurance that's temporary and will not cover pre-existing conditions there's plenty of temporary insurances marketed towards new immigrants. But based on your previous diagnosis nothing about that will be covered. You also wouldn't be able to sign up to O'care (ACA) until you have some eligibility and an actual status that a K1 won't give you (that means marriage + NOA1 for AOS, or an EAD, or green card whichever is earliest)... and you mentioned being eligible for husband's insurance after marriage anyway. Your best bet here is having some temporary insurance if you are concerned (but understand it really will not cover that much for you), getting married as soon as possible and then getting on your husband's insurance, file for AOS and signing up to the ACA, or buying privately. These last three options will cover any and all pre-existing conditions.

Keep in mind that going with Obamacare or any type of financial aid via the government could make you ineligible for becoming a USC in the future. Just something to think about 

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2 hours ago, C90 said:

Keep in mind that going with Obamacare or any type of financial aid via the government could make you ineligible for becoming a USC in the future. Just something to think about 

Immigrants are currently eligible for Obamacare by law, and despite any rumors to the contrary, it remains completely accessible to immigrants it is not a means tested benefit and it is NOT the same as Medicare or Medicaid.

Edited by yuna628

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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22 minutes ago, yuna628 said:

Immigrants are currently eligible for Obamacare by law, and despite any rumors to the contrary, it remains completely accessible to immigrants it is not a means tested benefit and it is NOT the same as Medicare or Medicaid.

True, most immigrants are eligible for Obamacare right now, but that could change any minute (or not, who knows). It's just something to keep in mind. It's up to anyone if they want to take the risk that they might not be eligible for citizenship in a few years (not saying they def won't, just saying the chance is there with the current changes they're trying to push trough) It's just my vision on it

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