Jump to content
Mrsjackson

Health insurance pregnancy

91 posts in this topic

Recommended Posts

Hi all, 

 

My husband is self employed and we are not currently insured. Bad I know. We’ve been shopping around for plans but need to pull the trigger on one now because we’re expecting another baby. So I’m hoping to confirm that my pregnancy is not a preexisting condition. That’s my understanding. Does anyone know a good health insurance plan in the state of Washington? 

Share this post


Link to post
Share on other sites

Just google "Washington State Health Insurance Exchange" then follow the most relevant link to the site where you can apply online. They'll give you all the insurance options in Washington State including Medicaid, which you might qualify for. The site should tell you whether you can obtain insurance immediately. It will depend on your life circumstances such as a recent move to the United States or a job change. Good luck.


Marriage: 2014-02-23 - Colombia    ROC interview/completed: 2018-08-16 - Albuquerque
CR1 started : 2014-06-06           N400 started: 2018-04-24
CR1 completed/POE : 2015-07-13     N400 interview: 2018-08-16 - Albuquerque
ROC started : 2017-04-14 CSC     Oath ceremony: 2018-09-24 – Santa Fe

Share this post


Link to post
Share on other sites
56 minutes ago, Mrsjackson said:

Hi all, 

 

My husband is self employed and we are not currently insured. Bad I know. We’ve been shopping around for plans but need to pull the trigger on one now because we’re expecting another baby. So I’m hoping to confirm that my pregnancy is not a preexisting condition. That’s my understanding. Does anyone know a good health insurance plan in the state of Washington? 

Hasn't been for many many many years 


YMMV

Share this post


Link to post
Share on other sites
18 minutes ago, payxibka said:

Hasn't been for many many many years 

The preexisting condition thing. Awesome. 

39 minutes ago, Russ&Caro said:

Just google "Washington State Health Insurance Exchange" then follow the most relevant link to the site where you can apply online. They'll give you all the insurance options in Washington State including Medicaid, which you might qualify for. The site should tell you whether you can obtain insurance immediately. It will depend on your life circumstances such as a recent move to the United States or a job change. Good luck.

But as an immigrant I thought I was not to touch Medicaid? Isn’t that a means-tested benefit? 

Share this post


Link to post
Share on other sites
21 minutes ago, Mrsjackson said:

The preexisting condition thing. Awesome. 

But as an immigrant I thought I was not to touch Medicaid? Isn’t that a means-tested benefit? 

The exchange is a health insurance marketplace 


YMMV

Share this post


Link to post
Share on other sites
Posted (edited)
28 minutes ago, payxibka said:

The exchange is a health insurance marketplace 

Do I qualify to use marketplace? I have submitted my AOS petition but it is in process. I do not have a green card to show. I have the NOA1 of course. And using the health insurance marketplace would not be breaking any immigration rules? Sorry I’m not very well versed on the health care system in the US.  I should be there is no excuse.  I’ll be learning about it now though haha. In Canada it’s just all free 😭

Edited by Mrsjackson

Share this post


Link to post
Share on other sites
Posted (edited)
1 minute ago, Mrsjackson said:

Do I qualify to use marketplace? I have submitted my AOS petition but it is in process. I do not have a green card to show. I have the NOA1 of course. And using the health insurance marketplace would not be breaking any immigration rules? Sorry I’m not very well versed on the health care system in the US.  I should be there is no excuse.  I’ll be learning about it now though haha. In Canada it’s just all free 😭

It is a market place to purchase health plans .  Think of it as the amazon market for insurance companies 

Edited by payxibka

YMMV

Share this post


Link to post
Share on other sites
Just now, payxibka said:

It is a market place to purchase health plans 

Oh right. The enrolment period is nov 1 - dec 1. Out of pocket prenatal care until then I guess. Open enrolment is only for Medicaid as I understand it. 

Share this post


Link to post
Share on other sites
Posted (edited)
15 hours ago, Mrsjackson said:

But as an immigrant I thought I was not to touch Medicaid? Isn’t that a means-tested benefit? 

Ahh very true. My mistake. You would not qualify for Medicaid. Nevertheless, the exchange should point you to the best available insurance policy. You seem to be focused on the enrollment period which is many months away. Are you sure you don't qualify for immediate insurance based on a life change? In this case, your husband's ongoing self-employment probably doesn't qualify as a job change but if you've only recently arrived in the US then the arrival event would qualify. If you don't have a qualifying life event, e.g. your POE occurred months ago, I would do some searching around for non-profit organizations that offer pre-natal care for immigrants or people with low incomes. I'm not 100% positive but I believe some Planned Parenthood clinics offer pre-natal services on a sliding scale. I used to live in Washington State and they do try to help people in need through a combination of private, non-profit and governmental organizations. Your best bet for finding these services is to call around and search locally. Good luck.

 

EDIT: Just saw some of your follow up responses. You can use the marketplace to buy insurance. There are no negative immigration effects for buying insurance. You are only barred from obtaining Medicaid, as a means tested benefit.

Edited by Russ&Caro

Marriage: 2014-02-23 - Colombia    ROC interview/completed: 2018-08-16 - Albuquerque
CR1 started : 2014-06-06           N400 started: 2018-04-24
CR1 completed/POE : 2015-07-13     N400 interview: 2018-08-16 - Albuquerque
ROC started : 2017-04-14 CSC     Oath ceremony: 2018-09-24 – Santa Fe

Share this post


Link to post
Share on other sites
49 minutes ago, Russ&Caro said:

Ahh very true. My mistake. You would not qualify for Medicaid. Nevertheless, the exchange should point you to the best available insurance policy. You seem to be focused on the enrollment period which is many months away. Are you sure you don't qualify for immediate insurance based on a life change? In this case, your husband's ongoing self-employment probably doesn't qualify as a job change but if you've only recently arrived in the US then the arrival event would qualify. If you don't have a qualifying life event, e.g. your POE occurred months ago, I would do some searching around for non-profit organizations that offer pre-natal care for immigrants or people with low incomes. I'm not 100% positive but I believe some Planned Parenthood clinics offer pre-natal services on a sliding scale. I used to live in Washington State and they do try to help people in need through a combination of private, non-profit and governmental organizations. Your best bet for finding these services is to call around and search locally. Good luck.

 

EDIT: Just saw some of your follow up responses. You can use the marketplace to buy insurance. There are no negative immigration effects for buying insurance. You are only barred from obtaining Medicaid, as a means tested benefit.

Thanks for this. That’s what I’ve been doing is looking into community health centers, even some faith based centers that want to encourage mothers to go ahead with pregnancy. There’s actually many options surprisingly. And for some reason apparently emergency Medicaid for the birth is not a means tested benefit. What I actually think I may end up doing though is have my prenatal care in Canada. I believe I’m still eligible but I’ll have to research it more. I reside in the states but have not been given any immigration benefits and so I believe I am still a resident of Canada. I honestly think we’ll just pay out of pocket for OB appointments until I get my AP card (VJ estimates July) which is only 2-3 appointments from now until then and then continue with it in Canada. Going back and forth. I’m only an hour and a half drive to the border so that’s doable. Maybe even have the baby in Canada. I don’t quite know. I’m also looking into midwives and the Birthing Center. 

Share this post


Link to post
Share on other sites
16 minutes ago, Mrsjackson said:

Thanks for this. That’s what I’ve been doing is looking into community health centers, even some faith based centers that want to encourage mothers to go ahead with pregnancy. There’s actually many options surprisingly. And for some reason apparently emergency Medicaid for the birth is not a means tested benefit. What I actually think I may end up doing though is have my prenatal care in Canada. I believe I’m still eligible but I’ll have to research it more. I reside in the states but have not been given any immigration benefits and so I believe I am still a resident of Canada. I honestly think we’ll just pay out of pocket for OB appointments until I get my AP card (VJ estimates July) which is only 2-3 appointments from now until then and then continue with it in Canada. Going back and forth. I’m only an hour and a half drive to the border so that’s doable. Maybe even have the baby in Canada. I don’t quite know. I’m also looking into midwives and the Birthing Center. 

Seems you emigrated last year?


“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.”

Share this post


Link to post
Share on other sites
4 minutes ago, Mrsjackson said:

I entered the US on a K1 visa in June, but my AOS petition was only filed about a month ago in March. 

I know Canadian rules varies according to where you where you were living, not sure any of them would still provide cover 9 months later?


“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.”

Share this post


Link to post
Share on other sites
2 minutes ago, Boiler said:

I know Canadian rules varies according to where you where you were living, not sure any of them would still provide cover 9 months later?

Me either. I’m going to have to do a lot of research. Relatives have said I’m a resident of Canada until I get some kind of immigration benefit in the states. Otherwise, I’d be in some weird kind of stateless limbo, wouldn’t I? I have to be a permanent resident of somewhere. So my understanding is that I am a resident there until I am a confirmed resident here. I live here but the United States has not granted me any immigration benefit yet or said I can continue to live here permanently. Of course I could be way off and I’ll have to find out for sure. 

 

But I am filing my Canadian taxes in the next week, and I am still claiming to be a resident as I am not technically a resident of the states yet. 

Share this post


Link to post
Share on other sites
2 minutes ago, Mrsjackson said:

Me either. I’m going to have to do a lot of research. Relatives have said I’m a resident of Canada until I get some kind of immigration benefit in the states. Otherwise, I’d be in some weird kind of stateless limbo, wouldn’t I? I have to be a permanent resident of somewhere. So my understanding is that I am a resident there until I am a confirmed resident here. I live here but the United States has not granted me any immigration benefit yet or said I can continue to live here permanently. Of course I could be way off and I’ll have to find out for sure. 

 

But I am filing my Canadian taxes in the next week, and I am still claiming to be a resident as I am not technically a resident of the states yet. 

If it were me I would look into the definition of residency.   I'm not sure it is contingent on the granting of some sort of immigration benefit 


YMMV

Share this post


Link to post
Share on other sites
 
Didn't find the answer you were looking for? Ask our VJ Immigration Lawyers.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
- Back to Top -


Important Disclaimer: Please read carefully the Visajourney.com Terms of Service. If you do not agree to the Terms of Service you should not access or view any page (including this page) on VisaJourney.com. Answers and comments provided on Visajourney.com Forums are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Visajourney.com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. VisaJourney.com does not condone immigration fraud in any way, shape or manner. VisaJourney.com recommends that if any member or user knows directly of someone involved in fraudulent or illegal activity, that they report such activity directly to the Department of Homeland Security, Immigration and Customs Enforcement. You can contact ICE via email at Immigration.Reply@dhs.gov or you can telephone ICE at 1-866-347-2423. All reported threads/posts containing reference to immigration fraud or illegal activities will be removed from this board. If you feel that you have found inappropriate content, please let us know by contacting us here with a url link to that content. Thank you.
×