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Found 7 results

  1. At the risk of repeating other posts, I just wanted to share my experience of being able to find affordable health insurance for my parents. Here are some details: Parents - over 65, here on Green Card (permanent residents) Living in the US for less than 5 years (about 2 years) Eligible for tax subsidy through Obamacare (this does NOT constitute a public charge) Residents of State of Michigan, have social security numbers Eligible for Silver level insurance plans Filed their $0 federal/state taxes jointly, separate from mine (I do NOT claim them as dependents on my tax return - this is important) I had searched the healthcare.gov website last year for insurance for them and came up empty handed. We purchased "travelers insurance" online (***removed***) but got shafted. My parent had a major health incident and they didn't cover anything (all claims were denied as pre-existing condition) Stay away from these types of insurance. I tried healthcare.gov again this year and couldn't find anything again. Many seem to assume, wrongly, that everyone over 65 is eligible for Medicare by default. This isn't true for immigrants, they need to have lived in the US for at least 5 years before they can participate in Medicare. Anyway, the short story is healthcare.gov has still not caught on to this. If you want to purchase health insurance, you will need to work with a healthcare navigator. There are several public service organizations that have these navigators who will help you for free. They will help you do the application over the phone, and then it works just fine. I am in Michigan and went through Jewish Family Service. Have your parents green cards and SSN handy, that is all they need. There appears to be a widely held misconception that immigrant seniors over 65 are not covered by Obamacare. This is absolutely NOT true. You don't have to wait for 5 years for Medicare to kick in. Recent immigrants older than 65 can purchase health insurance via healthcare.gov, just like any other US citizen or legal permanent resident. Some state exchanges might not know it, the person you talk to on the phone might not know it, the healthcare.gov website certainly doesn't appear to understand this special situation, but trust me parents on green cards who have been in the US less than 5 years ARE eligible for subsidized health coverage. I was able to get health insurance for my parents who have no income, for around $100 a month per parent (after a $1000 tax subsidy, because their income is less than limit of ~$21K) Now that is REALLY affordable, and it is proper mainstream insurance (Blue Cross Michigan) None of that travelers' insurance BS. Just trying to get the word out, because the open enrollment deadline is January 31st. If your parents arrive after Jan 31st, you can still sign up at that time, because their arrival date qualifies as a special "life event". But if they are already in the US, please sign up by Jan 31st. Otherwise they will have to wait until November for the next enrollment period to begin.
  2. 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?
  3. I have a relative who will be visiting the US for a month and was thinking of buying a visitor's insurance policy. I have looked at a couple of the major policies such as Atlas America (Tokio Marine) and Patriot America. - However from reviews it looks like these companies make it impossible to actually get reimbursed even if the condition is covered under the policy. These visitor's policies are exempt from most of the provisions governing the sale of health insurance for the rest of us. My concern is that I could pay $300-500 for a policy which is effectively a worthless piece of paper Here's a yelp review of https://www.yelp.com/biz/hcc-medical-insurance-services-indianapolis - This is Tokio Marine - Are there any specific visitor's insurance policies (for the US) you can recommend based on actual experience of being reimbursed? Has anyone actually been able to get reimbursed for health care from any of these companies? My fear is that they ask for insane amount of documentation to make it impossible to actually use the policy. - There are a number of discussions about the provisions of different policy but I am interested in a far more basic question. Have people actually been able to get reimbursed from any visitor policy for a true emergency Thanks
  4. Hi guys, wanted to see if anyone could offer me some advice. I'm currently on my parents' health insurance, until I turn 26 in Feb 2020. My fiancee is coming here in late July and we'll be marrying a couple weeks later. I'd like to get him health insurance, but I want to stay on mine until February. I live in WA state. From what I've read online, we have a special enrollment period after marrying, but since I don't want to switch policies, and since mine will have to change in just a few months, what would you advise us to do? Sign him up for a temporary plan and then in the enrollment period in 2020 add him to mine? Just not sure exactly how this works... Thanks!
  5. My wife came over on a K-1 and we married this month and just submitted our AOS application. Today I added her to my healthcare plan via Healthcare.gov. After it went through they said we need to submit documents to show proof of her immigration status. What documents should we exactly send? I am surprised they don't ask for a marriage certificate.
  6. Hello everyone! If a USC who is married to GC holder wants to enroll in Obamacare does that effect their GC holder spouse? I have seen on the news that Trump is proposing to deny GC or citizenship to immigrants if they or any in their household have used any public benefit programs. Also, Is it possible for the USC and their GC holder spouse to both enroll in Obamacare? I am worried that if we enroll it might effect my spouse, who is a two-year conditional green card holder. My husband got his two year conditional GC last March. He had a 6 month temp job and I am still under my parents healthcare, which last until next June. We just moved to a new city and open enrollment starts tomorrow. We are trying to decide if we should go ahead and enroll in Obamacare now or wait until we get health insurance through employment.
  7. Hey Everyone, My interview is on the 21st of August and am hoping to be moving to the US end of September once approved. My husband has Health insurance but I'm not really sure if that will cover me either way I'm unsure if I should be purchasing travel insurance as health insurance until we sort it out or if I should look into something else. Ahhh its really hard cause I don't wanna get caught without insurance and stuck with a massive bill. Halp Me ! Thanks, Sophie
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