Health Insurance on K1

[bandito 24]

Hi all, I had my interview yesterday and got approved so now I'm trying to figure out the last few things before I leave. What health insurance should I be going for before I get my greencard? Will health insurance for tourism/travelling be adequate or should I be already getting something more permanent? I've seen most people recommending getting on your fiancee/spouse's insurance (usually through their employer) but my fiancee is unemployed and on Medi-Cal so that's not an option for me. I basically want to know 1) what kind of insurance to get when I first enter and 2) what to change to when I get my greencard. Any advice or recomendations?

[Lucky2Lucky 2,526]

Health insurance for the purpose of travel/tourism isn’t for those immigrating, it’s for travel. Since your fiancé is on Medicaid and you will never be able to get Medicaid you need to buy health insurance  privately- through the marketplace Highly recommend your soon to be spouse to obtain a job;immigration isn’t cheap and he now has to care for 2 people. On $0 income. 

Edited November 15, 2019 by Luckycuds

[mogiftney 144]

24 minutes ago, Luckycuds said:

Health insurance for the purpose of travel/tourism isn’t for those immigrating, it’s for travel. Since your fiancé is on Medicaid and you will never be able to get Medicaid you need to buy health insurance  privately- through the marketplace Highly recommend your soon to be spouse to obtain a job;immigration isn’t cheap and he now has to care for 2 people. On $0 income. 

Unemployed =/= broke

[bandito 24]

1 hour ago, Luckycuds said:

Health insurance for the purpose of travel/tourism isn’t for those immigrating, it’s for travel. Since your fiancé is on Medicaid and you will never be able to get Medicaid you need to buy health insurance  privately- through the marketplace Highly recommend your soon to be spouse to obtain a job;immigration isn’t cheap and he now has to care for 2 people. On $0 income. 

My fiancee has savings, and we have a joint sponsor; if money were an issue I doubt we would've gotten approved. My question was simple: what kind of insurance do I need before and after I'm issued a greencard? Obviously I can't get anything permanent on the K1 since I will not be a permanent resident until I receive a greencard. So, what insurance should I be getting?

[JFH 12,189]

1 hour ago, mogiftney said:

Unemployed =/= broke

But if he’s on Medi-Cal he is at below 138% of federal poverty level (unless he’s disabled or over 65). And I don’t know many parts of CA where you can live comfortably at those levels. Let alone support an additional person. 

[JFH 12,189]

*~*~*moved from “K-1 fiancé visa process and procedures” to “moving to the US” where this question is often discussed*~*~*

[bandito 24]

1 minute ago, JFH said:

But if he’s on Medi-Cal he is at below 138% of federal poverty level (unless he’s disabled or over 65). And I don’t know many parts of CA where you can live comfortably at those levels. Let alone support an additional person. 

SHE is supported by her family financially, and is gifted a lot of money every christmas that she can rely on. Also she lives in a cheaper area and her and her brother live quite comfortably.

[Lemonslice 4,570]

Your fiancée can reach out to her state exchange to see what is required from you. Otherwise, call insurance companies directly (BCBS, Cigna, etc.)

[Lucky2Lucky 2,526]

50 minutes ago, bandito said:

My fiancee has savings, and we have a joint sponsor; if money were an issue I doubt we would've gotten approved. My question was simple: what kind of insurance do I need before and after I'm issued a greencard? Obviously I can't get anything permanent on the K1 since I will not be a permanent resident until I receive a greencard. So, what insurance should I be getting?

After you are a permanent resident you need to buy insurance (choose a carrier) http://www.insurance.ca.gov/01-consumers/110-health/20-look/hcpcarriersindividual.cfm

[Lucky2Lucky 2,526]

30 minutes ago, bandito said:

SHE is supported by her family financially, and is gifted a lot of money every christmas that she can rely on. Also she lives in a cheaper area and her and her brother live quite comfortably.

Just be aware receiving large amounts of gifted money puts one over income for Medicaid. 

Have you or your fiancé start calling the ca marketplace/state exchange and or call companies posted in the link above.

[Nitas_man 3,100]

13 hours ago, bandito said:

Hi all, I had my interview yesterday and got approved so now I'm trying to figure out the last few things before I leave. What health insurance should I be going for before I get my greencard? Will health insurance for tourism/travelling be adequate or should I be already getting something more permanent? I've seen most people recommending getting on your fiancee/spouse's insurance (usually through their employer) but my fiancee is unemployed and on Medi-Cal so that's not an option for me. I basically want to know 1) what kind of insurance to get when I first enter and 2) what to change to when I get my greencard. Any advice or recomendations?

A lot of K1 visaholders buy a patriot policy.

 

Dont know anything about that company personally and there are several similar short term policies out there, that’s a start for shopping.

 

You wont be working for a few months.  Your fiance might need to be thinking about seeking a real job.

 

 

[SalishSea 16,835]

15 hours ago, bandito said:

if money were an issue I doubt we would've gotten approved

You still have AOS to get through.....

[mogiftney 144]

2 hours ago, Jorgedig said:

You still have AOS to get through.....

She is good financially. You can take her word for it. This is off topic. She’s asking about health insurance. 

[Lemonslice 4,570]

13 minutes ago, mogiftney said:

She is good financially. You can take her word for it. This is off topic. She’s asking about health insurance. 

It's been answered then.

[Nitas_man 3,100]

6 hours ago, mogiftney said:

She is good financially. You can take her word for it. This is off topic. She’s asking about health insurance. 

OP’s in for a huge wake up

Edited November 16, 2019 by Nitas_man