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CeboMap

Health Insurance for my future wife(We are in K1 visa process)

By CeboMap in Moving to the US and Your New Life In America

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CeboMap   0

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Hello all,  My fiancée and I are in the middle of going through the K1 visa process.  I work for a company and want to include my fiancée into the company's health insurance plan after we get married.  But after doing some research, it looks like she won't be able to be in my insurance plan until after she gets her green card.

 

What is everyone's experience with this?  How did your fiancé or fiancée purchase health insurance while waiting for his/her green card?  What potential issues could my fiancée face with having a separate health insurance while she waits for her green card?

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yuna628 Veteran

yuna628   9,680

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1 minute ago, CeboMap said:

Hello all,  My fiancée and I are in the middle of going through the K1 visa process.  I work for a company and want to include my fiancée into the company's health insurance plan after we get married.  But after doing some research, it looks like she won't be able to be in my insurance plan until after she gets her green card.

 

What is everyone's experience with this?  How did your fiancé or fiancée purchase health insurance while waiting for his/her green card?  What potential issues could my fiancée face with having a separate health insurance while she waits for her green card?

You will be able to add your fiance to your insurance, once you marry. No waiting for the green card is required. She is eligible upon the marriage. Do not wait on this, as you have a limited timeframe, and you do not want to be stuck without. Green cards are taking an extremely long time now, absolutely don't wait.

 

Your other options would be to use the health exchange (federal or state if you have one), or buy a plan privately. Temporary insurances and 'new immigrant' coverage are not ACA compliant and offer very little in the way of pre-existing coverage.

 

You may be told that your wife requires an SSN to obtain health insurance. Commonly many HR reps and even phone reps for companies will erroneously or maliciously state such falsehoods. By law it is not required to have an SSN for insurance, however it will make obtaining it a lot less fuss. Typically once the K1 has been issued and the fiance enters the US, they can go to the SSA and file for an SSN before they marry (you can find threads on this on VJ).

 

So what did we do?

 

Got K1 and entered US.

Waited 2 weeks (this no longer applies anymore and you can apply asap as long as the fiance is in the system - check the I94).

Applied for SSN (remember the fiance IS eligible to apply, if the SSA employee gives you a problem ask for supervisor or apply at another branch).

Got married. SSN had arrived by that time.

Added husband to my insurance plan. They did not ask for an SSN. The law states that they can and may ask several times to provide it (they did ask eventually), but you do not have to give it out if you do not want to. This really is for IRS identifying purposes, and the only person who is truly authorized to obtain the number is the IRS directly.

Applied for AOS with EAD.

Got EAD. Applied for first driver's license. 

By this point the spouse may start working, so they may be able to obtain insurance from their own employer. 

Once you have the green card, return to the SSA and update (remove restrictions) from the SSN. Update driver's license if applicable. 

Our Journey Timeline  - Immigration and the Health Exchange Price of Love in the UK Thinking of Returning to UK?

 

First met: 12/31/04 - Engaged: 9/24/09
Filed I-129F: 10/4/14 - Packet received: 10/7/14
NOA 1 email + ARN assigned: 10/10/14 (hard copy 10/17/14)
Touched on website (fixed?): 12/9/14 - Poked USCIS: 4/1/15
NOA 2 email: 5/4/15 (hard copy 5/11/15)
Sent to NVC: 5/8/15 - NVC received + #'s assigned: 5/15/15 (estimated)
NVC sent: 5/19/15 - London received/ready: 5/26/15
Packet 3: 5/28/15 - Medical: 6/16/15
Poked London 7/1/15 - Packet 4: 7/2/15
Interview: 7/30/15 - Approved!
AP + Issued 8/3/15 - Visa in hand (depot): 8/6/15
POE: 8/27/15
Wedding: 9/30/15

Filed I-485, I-131, I-765: 11/7/15

Packet received: 11/9/15

NOA 1 txt/email: 11/15/15 - NOA 1 hardcopy: 11/19/15

Bio: 12/9/15

EAD + AP approved: 1/25/16 - EAD received: 2/1/16

RFE for USCIS inability to read vax instructions: 5/21/16 (no e-notification & not sent from local office!)

RFE response sent: 6/7/16 - RFE response received 6/9/16

AOS approved/card in production: 6/13/16  

NOA 2 hardcopy + card sent 6/17/16

Green Card received: 6/18/16

USCIS 120 day reminder notice: 2/22/18

Filed I-751: 5/2/18 - Packet received: 5/4/18

NOA 1:  5/29/18 (12 mo ext) 8/13/18 (18 mo ext)  - Bio: 6/27/18

Transferred: Potomac Service Center 3/26/19

Approved/New Card Produced status: 4/25/19 - NOA2 hardcopy 4/29/19

10yr Green Card Received: 5/2/19 with error >_<

N400 : 7/16/23 - Oath : 10/19/23

 

 

 

Lucky2Lucky Experienced

Lucky2Lucky   2,526

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14 minutes ago, CeboMap said:

Hello all,  My fiancée and I are in the middle of going through the K1 visa process.  I work for a company and want to include my fiancée into the company's health insurance plan after we get married.  But after doing some research, it looks like she won't be able to be in my insurance plan until after she gets her green card.

 

What is everyone's experience with this?  How did your fiancé or fiancée purchase health insurance while waiting for his/her green card?  What potential issues could my fiancée face with having a separate health insurance while she waits for her green card?

That should be false. You can put your wife on your insurance and you probably only have a 30 day time period after marriage to do it. Speak to HR management if you get push back. After your spouse gets her green card she would be so completely out of a qualifying life event that she would have to wait for open enrollment.
 

There are no immigration related issues with her being on a separate plan. If you chose to not do your own plan you can purchase her insurance on your states health exchange site within 30 days of immigrating- as that would be the qualifying life event for the health exchange.

Our K1 Journey    I-129f

Service Center : Texas Service Center   Transferred? California Service Center on 8/11/14

Consulate : Port au Prince, Haiti             I-129F Sent : 4/14/2014

I-129F NOA1 : 4/24/14                            I-129F NOA2 : 9/10/14

NVC Received : 9/24/14                          NVC Left : 9/26/14

Consulate Received : 10/6/14 CEAC status changed to ready

Packet 3 Received : 10/27/14 packet received by petitioner in USA ( beneficiary never received packet 3)

Medical: 10/30/14 Dr. Buteau                  Medical picked up: 11/3/14

Packet 3 Sent : 11/10/13.. Had to schedule interview appointment and attach confirmation receipt to packet

Interview Date : 12/1/14                           Interview Result : Approved !

Visa Received : 12/10/14 picked up at Jacmel location

US Entry : 12/15/14 Fort Lauderdale, Florida

Apply for Social Security Card: 12/30/14 Connecticut

Marriage: 1/26/15

 

Adjustment of Status

CIS Office : Hartford                                  Filed : 3/18/15

NOA : 3/25/15                                            Biometrics : 4/15/15

Approved: 8/31/15                                     Received: 9/8/15

 

EAD

CIS Office : Hartford                                  Filed : 3/18/15

NOA : 3/25/15                                            Approved: 6/12/15

Received: 6/20/15

 

Removal of Conditions I-751

Filed: 8/14/17 at VSC                                 NOA: 8/15/17 Received 8/21 by mail

Biometrics: Dated: 8/25/17   Received 9/2/17   Appointment 9/11/17 

Approved: 10/23/18 -no interview

Adventine Proficient

Adventine   3,201

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Filed: Citizen (apr) Country: Philippines
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I have no SSN and my husband added me to his health insurance the day after we got married.

 

Some employers make it easy, others make it hard. As others have said, if you encounter resistance, you just need to push back until you find a supervisor who understands an SSN is not required.

Crazy Cat Grand Master

Crazy Cat   41,978

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42 minutes ago, CeboMap said:

But after doing some research, it looks like she won't be able to be in my insurance plan until after she gets her green card.

I agree with the others.  Once you are married, you should be able to add your spouse. 

"The US immigration process requires a great deal of knowledge, planning, time, patience, and a significant amount of money.  It is quite a journey!"

- Some old child of the 50's & 60's on his laptop 

 

Senior Master Sergeant, US Air Force- Retired (after 20+ years)- Missile Systems Maintenance & Titan 2 ICBM Launch Crew Duty (200+ Alert tours)

Registered Nurse- Retired- I practiced in the areas of Labor & Delivery, Home Health, Adolescent Psych, & Adult Psych.

IT Professional- Retired- Web Site Design, Hardware Maintenance, Compound Pharmacy Software Trainer, On-site go live support, Database Manager, App Designer.

______________________________________

In summary, it took 13 months for approval of the CR-1.  It took 44 months for approval of the I-751.  It took 4 months for approval of the N-400.   It took 172 days from N-400 application to Oath Ceremony.   It took 6 weeks for Passport, then 7 additional weeks for return of wife's Naturalization Certificate.. 
 

 
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