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About canadavisa22

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  • Member # 323048
  • Location Toronto, ON, Canada

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  1. I racked my brain over this one for awhile and ended up having my brother-in-law pay for the fee with his US credit card and then paid him back in cash when I saw him next. I know many people said that a money order in USD from a Canadian bank would be fine, but I just was overly cautious. What will definitely work is opening a US bank account and credit card and paying for it that way. I opened an RBC Bank account for future cross border banking. This is not like going to RBC and opening a USD account. RBC Bank is a US-based financial institution. All the others, like TD, have the same thing. That's what I'd recommend you do as well since you'll need it in the future anyways. Now, whenever I need to make a USD purchase, I use the CC to help build some credit. As well, we are able to transfer funds from our Canadian account to the US account and then over to our other Chase account in the US.
  2. Interesting, I've got a lot of research to do. One of the main issues is determining our cost of living and health insurance I can't underestimate. Also, schooling (early years) seems like a big difference. We have free, all-day kindergarden start at 4 years old here, but I've read many states don't have free public school until 6 years old. That's two more years to worry about. But, housing is insane here, so I guess you just buckle down for a few years because it's almost impossible to get into the market here now.
  3. Damn...$700/mth is steep! That's $10K a year in health insurance. And that's WITH a benefits plan??? I have to move to a state with much lower taxes than Ontario to make up for that lol.
  4. It sounds like you're in a pretty comfortable situation financially at the moment. Why not bite the bullet and just purchase private insurance for now? Also, it sounds like you should talk to your accountant right away!
  5. No, we very likely will not need a joint sponsor. On the very off chance that we do need a joint sponsor then I suppose, on paper, they would be liable to take care of the every day needs of the immigrant. In reality, we have plenty of savings and will both be able to find jobs shortly after arriving. They may not be the most ideal at first, but we're both working professionals here so I don't see a huge issue on that front. I totally understand what you're saying though. I appreciate people trying to point out that we may have sponsorship issues, but we've studied that thoroughly. I lurk the forum quite often and I get that people post these topics without understanding the process (or taking the time to), but we've done our homework in that regard. I was just interested in seeing what people have done when they first arrived back in the US after living abroad.
  6. We likely won't need a joint sponsor but I'm not really sure how they would help in this case. We wouldn't be able to join anyone else's health insurance so beyond helping us look for private insurance plans there's not much we can do. We can look into and get quotes from many different companies for private insurance, I was just curious if anyone took the temporary medicaid route to help keep costs down in the beginning.
  7. The petitioner doesn't need to be the sponsor. We can qualify through our assets OR failing that (though we pass the test comfortably) there is an option of a joint sponsor. When the USC moves back to the US they will be jobless at first. This is why I'm asking about health insurance via either medicaid or through private insurance, to see which route families like ours have taken. On the topic of domicile, we've studied the requirements quite thoroughly so far and it's not mandatory for the USC to have a job to prove that.
  8. We will qualify through our assets. We both have jobs here. The USC would move back to the US first to set up domicile but would be jobless when they get back. During that short period of time where they don't have a job, they would need health insurance. We can either purchase private insurance or apply for medicaid (for the USC and our child). I know most people here don't/didn't live abroad with their spouse, but this is a common situation.
  9. We both live abroad in Canada. The petitioner would not have health insurance when they moved back to the US. That's why I asked about them applying for medicaid. I understand that the beneficiary, as an immigrant, cannot use medicaid for the first five years which is why they would have to buy private insurance.
  10. Right, I get that. I'm asking how it's done...
  11. Slightly off topic, but do you pay anything out of pocket monthly for your insurance? One of things I'm trying to understand is how much Americans pay out of pocket for their health insurance. I understand that every employer plan will vary based on the job, but generally speaking, do most professional jobs come with a standard benefits package where you might have some co-pays and that's it? Or is paying some kind of monthly premium part of it?
  12. I understand that the beneficiary will need private insurance. Any particular companies you can suggest?
  13. For those that were living abroad with their USC spouse, what did you do/are planning to do for health insurance when you first arrive back in the US? Can the US citizen spouse apply for medicaid and use that until they find a job that provides benefits? I understand the beneficiary cannot use medicaid, so private route would be the only temporary solution. Would love to hear what some people have done/are planning to do and costs involved. We'd be landing and living in Illinois at first.
  14. Definitely. I'd be trying this if I were in a position to do so. You need to use every advantage you can in this process. Like I said, kudos to those people that have done it and have had success. This seems way better than contacting your congressperson...
  15. I'm not personally in a rush nor is it a path I can take (we both live together abroad), I'm just trying to understand how it all works. It doesn't really seem like there are any downsides though besides a few hundred bucks spent on a new application and the very unlikely chance you'll actually get the K-3. I'm guessing some people are just afraid if they do anything else it might affect their current I-130 negatively. Kudos to those that have figured this out and taken the chance.
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