I am trying to figure out what to do about Health Insurance after I move to the US, and wondering if anyone here knows of anything that would work, or what other people have done. (I am going to be moving on an IR1/CR1 visa.)
I can get health insurance after my move, but it will take a few weeks for that to become active. If I apply & get all the paperwork done in between the 1st-15th of the month, it should be active the first of the next month. If I do it between the 16th-31st of the month, it should be active the 1st of the 2nd month following. (E.g., if I move there in late December, I can get insurance for Feb 1.) I would like to have some kind of insurance during this gap, just to cover emergencies (and, if possible, I would like it to include COVID coverage). The options I have looked into are:
1. My current BC MSP Insurance: This will be good until the end of the end of the month that I leave BC, but it is basically useless - it only covers $75 a day for hospital care outside of Canada!!!
2. Travel Insurance for Canadians: I have always just used travel insurance when I go to the US, but everything I am familiar with requires you to be a Canadian Resident to be eligible. Since I am actually moving & getting a Green Card, I don't believe I will count as a Canadian Resident anymore.
3. Travel Insurance for visitors to the US: As far as I know, this will not cover US residents in the US, so it will not work. I will be a US resident from the moment I cross.
4. Expat Insurance: I don't know much about this, but I have found some policies meant to cover Canadian Citizens who are residing outside of Canada, or cover people who are moving to new locations. Most of the "expat" insurance I've found is meant to cover longer periods, i.e., over one year. And one of the policies I looked at for Canadians specifically states that it won't cover anywhere that the Govt of Canada recommends avoiding non-essential travel to (which is everywhere right now).
5. Short term insurance policies designed for US residents & citizens living in the US: In Washington State the only provider that offers that is LifeMap, and one of their eligibility criteria is that you can't have any other health insurance coverage. I don't think I meet that, since I WILL have my BC insurance, at least until the end of the first month. (One possibility would be that I can arrive in the US at the very end of a month, and that way my BC insurance will expire in a day or two, allowing me to get the short term insurance & leaving a gap of only a few days. This would not be my preference, since I don't want to have to time my move like that.)
6. I could try to enroll in regular health insurance before I move: The open enrollment period is until Dec 15th, so I could enroll for a Jan 1 start date, and then move on Jan 1. I am not 100% sure if this is allowed, and can't really get a straight answer from either the exchange (WA health plan finder) or the insurance company. I think it *will* let me enroll without an SSN, but the application form asks "Are you lawfully present in the US?". I can't say "yes" to that I am not currently in the US at all, so it isn't true and I can't provide the evidence they want (entry date, etc). But I don't want to say "no" to that question either, since that implies that I am currently illegally in the US, which also is not true (and I really wouldn't want a record of that to be anywhere!!!)
Is there anything I am missing? Does anyone know of anything that would actually work? Has anyone been able to sign up with an exchange plan before moving, or figure out something that actually covers the gap?