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pamawemo

Health insurance to fill gap

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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?


AOS - Concurrent filing
04/12/2019 - AOS package sent via FedEx to Chicago Lockbox
04/16/2019 - FedEx confirmation of delivery to USCIS
04/23/2019 - Email/Text notifications 
04/27/2019 - I-797 Notice of Action letters received by mail
05/14/2019 - Biometrics Appointment 
05/16/2019 - "Case is ready to be scheduled for an interview"

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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 


YMMV

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Hank

"Chance Favors The Prepared Mind"

 

      HandArrow.gif.adeb854ba620933849ae921ca0b44a0c.gif  Link to the Visa Process for Manila Embassy  : Click Here

 

Contact Hank: HERE

K-1 visa approved 21 March 2012

...Citizenship... complete!

 

 

 

 

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


Not a newbie but lost my old info years ago) I have been through this process before --all the way through naturalization-- This site has always been a great help to me. 

 

 

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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


“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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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


AOS - Concurrent filing
04/12/2019 - AOS package sent via FedEx to Chicago Lockbox
04/16/2019 - FedEx confirmation of delivery to USCIS
04/23/2019 - Email/Text notifications 
04/27/2019 - I-797 Notice of Action letters received by mail
05/14/2019 - Biometrics Appointment 
05/16/2019 - "Case is ready to be scheduled for an interview"

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6 minutes ago, pamawemo said:

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

I swear I am an Angel)))


Not a newbie but lost my old info years ago) I have been through this process before --all the way through naturalization-- This site has always been a great help to me. 

 

 

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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

 

 


Just when you think you have TDS eradicate,  a new case shows up.

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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. 


AOS - Concurrent filing
04/12/2019 - AOS package sent via FedEx to Chicago Lockbox
04/16/2019 - FedEx confirmation of delivery to USCIS
04/23/2019 - Email/Text notifications 
04/27/2019 - I-797 Notice of Action letters received by mail
05/14/2019 - Biometrics Appointment 
05/16/2019 - "Case is ready to be scheduled for an interview"

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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.  

 

 


Just when you think you have TDS eradicate,  a new case shows up.

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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/


Spoiler

Adjustment of Status

AOS March 5, 2014 Submitted AOS with EAD/AP package to Chicago USICS

Delivered March 8, 2014 AOS packaged delivered to USCIS drop box

Accepted March 19, 2014 Text message with receipt numbers

Biometrics April 16, 2014 Biometrics completed

EAD May 23, 2014 Employment Authorization Document approved and went to card production

TD May 23, 2014 Travel Document approved and went for card production

Receipt EAD/AP May 30, 2014 Received combo card EAD/AP

Green Card Approved July 11, 2014 Approved, no interview. Went to card production.

Green Card received July 17, 2014 GC received without interview

Removal of Conditions

Mailed I-751 Dec 16, 2015 Submitted ROC (removal of conditions)

Received Dec 18, 2015 USPS notification of successful delivery

Check Cashed Dec 21, 2015 Check was cashed

NOA-1 Issued Dec 21, 2015 NOA-1 for ROC issued

NOA-1 Issued Dec 26, 2015 NOA-1 Received

Biometrics Appt. Jan 29, 2016 Biometrics Appointment Scheduled [Completed]

 

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