Health insurance to fill gap

[pamawemo 78]

I am hoping my fiancé will be in the states mid-March. We plan to marry early May. I can’t add her to my health insurance at work until we are married.

 

Is there some kind of “gap” health insurance K1 visa holders can get? What are your plans?

[payxibka 10,044]

22 minutes ago, pamawemo said:

I am hoping my fiancé will be in the states mid-March. We plan to marry early May. I can’t add her to my health insurance at work until we are married.

 

Is there some kind of “gap” health insurance K1 visa holders can get? What are your plans?

International Major Medical Plan.  Don't know anything about it or if it is a good value 

[Hank_ 9,171]

There is this:

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

[Carpe Vinum 2,308]

I plan to keep my fiance wrapped in bubble wrap and in an isolation chamber until we are married))))

[Boiler 43,393]

36 minutes ago, boris64 said:

I plan to keep my fiance wrapped in bubble wrap and in an isolation chamber until we are married))))

This

[pamawemo 78]

5 hours ago, boris64 said:

I plan to keep my fiance wrapped in bubble wrap and in an isolation chamber until we are married))))

I think my fiancé received a pamphlet warning her about this! Haha

[Hank_ 9,171]

  

[Carpe Vinum 2,308]

6 minutes ago, pamawemo said:

I think my fiancé received a pamphlet warning her about this! Haha

I swear I am an Angel)))

[Chris Duffy 1,256]

14 hours ago, boris64 said:

I plan to keep my fiance wrapped in bubble wrap and in an isolation chamber until we are married))))

I never got my fiancé or wife health insurance for the first couple of years. until the government mandated by Obama fine got so high that it didn't make sense not to do it

 

 

[pamawemo 78]

21 minutes ago, Chris Duffy said:

I never got my fiancé or wife health insurance for the first couple of years. until the government mandated by Obama fine got so high that it didn't make sense not to do it

 

 

Not willing to take that risk. With my luck, she will fall and break an ankle in all this fricking snow and ice and I would be looking at a $50,000 medical bill. Better safe than sorry. 

[Chris Duffy 1,256]

11 minutes ago, pamawemo said:

Not willing to take that risk. With my luck, she will fall and break an ankle in all this fricking snow and ice and I would be looking at a $50,000 medical bill. Better safe than sorry. 

Let me tell you a little secret, you pay cash and you get a tremendous discount.  

 

I didn't have health insurance for about 15 years, always was self pay (cash) and the discount you get it basically cheaper than paying with health insurance.  

 

 

[Greenbaum 12,258]

Check out https://www.ehealthinsurance.com/ to find some names of short term plans.   Then you can go direct to their websites.

 

Underwritten short-term health plans with have pre-existing exclusions and cost high deductibles  and are not ACA QHP  BUT, they will at least be regulated and real.

 

As I said before, I always felt safe on those IMG Patriot travel plans linked up through a US PPO but there are a lot of stories of issues.

 

FYI  As soon as you get married, even if she has no social,  she can apply on the Federal Healthcare.gov  for coverage on marketplace (unsubsidized) as a 60-day Special Enrollment Period  She would refuse any subsidy and pay full price for her plan so that she can say  no on the I-485 benefit question at interview !!!!   The I-797C for the I-485 is sufficient to show Adjustment to LPR status for qualification. 

 

Although the social is not technically required for private group insurance plans,  they do seem to ask for them and whine about the reasons they need them.  Reality is they have no federal authority to demand a social, but good luck explaining that. 

 

P.S.   States with private exchange sites all have different rules.   CA for instance only allows AOS to apply with approved immigration petition which effectively excludes Concurrent Filers.  The federal one just states  Applicants for Adjustment of Status to Lawful Permanent Residence.

 

And another place to look. http://www.***removed***.com/