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Kristi&Luigi

Affordable Health Insurance while waiting on green card?

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Hello everyone. My husband came to the US with a K1 visa. We are since then married and compiling our AOS packet which we think we will officially file on the 10th of February. 

 

I wanted to know if there is an affordable health plan for my husband during this long waiting process. My job offers spouse coverage however I don't know if it would work for a non-citizen-yet spouse. 

 

Please share with me your knowledge on this topic as Google didn't give me straight answers. 

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I was a K1 holder too when i came to US, we got married and my husband added me to his insurance right away w/o any problem at all. 

We then changed it when i got my GC and started working, it was cheaper to get separate insurance for myself thru my job versus my husband covering me thru his. 

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7 minutes ago, Kristi&Luigi said:

Hello everyone. My husband came to the US with a K1 visa. We are since then married and compiling our AOS packet which we think we will officially file on the 10th of February. 

 

I wanted to know if there is an affordable health plan for my husband during this long waiting process. My job offers spouse coverage however I don't know if it would work for a non-citizen-yet spouse. 

 

Please share with me your knowledge on this topic as Google didn't give me straight answers. 

Yes your spouse can be covered through your work.  They will add him as a special enrollment.

 

They will likely ask fo an SSN, if he doesn’t have one yet, you’ll have to talk to your benefit administrator.  

 

Also, some have stipulations about how many days after a qualifiying event (marriage) pass in which someone must be added.

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51 minutes ago, Kristi&Luigi said:

Hello everyone. My husband came to the US with a K1 visa. We are since then married and compiling our AOS packet which we think we will officially file on the 10th of February. 

 

I wanted to know if there is an affordable health plan for my husband during this long waiting process. My job offers spouse coverage however I don't know if it would work for a non-citizen-yet spouse. 

 

Please share with me your knowledge on this topic as Google didn't give me straight answers. 

As long as you have a ITIN or a SSN you should be able to add your spouse to your work insurance

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Most all work-sponsored health care plans allow for adding new spouses immediately....especially if the new spouse has a SSN............

Thank you for posting this.  It is a good reminder to all that spousal health care is a MAJOR item for planning before the fiance/spouse arrives.

 


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Also in at least some cases, you can get coverage retroactive to the date of the marriage (I know I can do this for my fiancé with my employer).


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4 hours ago, Kristi&Luigi said:

Hello everyone. My husband came to the US with a K1 visa. We are since then married and compiling our AOS packet which we think we will officially file on the 10th of February. 

 

I wanted to know if there is an affordable health plan for my husband during this long waiting process. My job offers spouse coverage however I don't know if it would work for a non-citizen-yet spouse. 

 

Please share with me your knowledge on this topic as Google didn't give me straight answers. 

Often, the most affordable option will be to add him to the plan offered by your employer. 

 

When he gets his EAD, and find work, then it might be cheaper for him to switch to his employer's plan. 

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Marriage is a qualifying life event and I suggest you add him to your insurance within 30 days of your marriage otherwise he will go uncovered. It doesn't matter if he is immigrant or US citizen. 


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I added my husband, who lives in Brazil, to my work health and dental insurance a week after our marriage.  All I needed was our marriage certificate, and HR added him, no problem.  They just left his SSN blank.   We submitted proof of his US health insurance when we filed the I-130.  I also added him as my emergency contact, beneficiary on life insurance, company pension plan, investments, etc. with no problems, no need for a SSN or ITIN at all.

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4 hours ago, DaveAndAnastasia said:

Also in at least some cases, you can get coverage retroactive to the date of the marriage (I know I can do this for my fiancé with my employer).

yes coverage is retroactive and back payments from the day you got married. i had to pay for this also 


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I added my wife soon after our marriage thru my employer. We has 30 days after marriage to add her and all we needed was her A number since she didn't have a SSN yet.

All companies have different policies. Most though have a 30 day window after a "life changing" event, which marriage is considered. 

Edited by ch3john

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I was added to my husbands health insurance without an SSN, was no issue atall.

 

You should contact your insurance company & inform them you want to add your Spouse (my Husbands health insurance was changed to family plan when he added me)

 

They cant deny you as getting married is classed as a life event & it overrides the yearly enrollment for joining the health insurance 


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10 minutes ago, Meisha&Jake said:

They cant deny you as getting married is classed as a life event & it overrides the yearly enrollment for joining the health insurance 

I think the difficulty might be that they got married more than 30 days ago. Timeline says he entered the US back in May, not sure why health insurance is only now becoming a priority.

 

If you are unable to add your spouse until your company's open enrolment period, you can still find insurance, but you will have to contact a broker, or the companies, yourself. 

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Thank you everyone for all your replies. They have been very helpful. 

35 minutes ago, Lemonslice said:

I think the difficulty might be that they got married more than 30 days ago. Timeline says he entered the US back in May, not sure why health insurance is only now becoming a priority.

 

If you are unable to add your spouse until your company's open enrolment period, you can still find insurance, but you will have to contact a broker, or the companies, yourself. 

I was just hired by this company about 30 days ago and my medical doesn't kick in until after another month. We got married in June of last year. 

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