Bringing my mom to the USA to live

[eekee 182]

eekee,

I'm really interested in this question too, for planning purposes. I know its personal, but would you be willing to put a number around that arm and a leg for us? My MIL will be older and if my wife gets her here later, she for sure will not be working (unless maybe for us -- AKDivers idea is intriguing).

I can ask her next time I call her; I don't really remember off the top of my head. But as I said, my mom has a chronic degenerative disease which requires much more spending on the part of the insurance company, so she is not a good standard by which to measure cost, unless your MIL also has a disease beyond the usual ones which come with age.

Edited June 21, 2008 by eekee

[slim 1,525]

Aren't most chronic degenerative diseases covered (eventually) by Medicare?

[eekee 182]

You need to either be a citizen or have been a permanent resident for 5 years to qualify for medicare.

[workin4somethin 0]

I want to bring my mom to the USA soon and I'm wondering about the health care and coverage for her as a permanent resident. Anybody has been there done that?

I found a company that offers health insurance to immigrants. You may wish to check them out at:

"http://www.immigrationhealth.com/"

[Annabelle 0]

I want to bring my mom to the USA soon and I'm wondering about the health care and coverage for her as a permanent resident. Anybody has been there done that?

I found a company that offers health insurance to immigrants. You may wish to check them out at:

"http://www.immigrationhealth.com/"

Thank you, Andrew

Something to look into and learn about.

[mendeleev 68]

Thank you, too, Andrew.

[akdiver 3]

OP:

FYI...

Concerning my own insurance needs - I found some interesting things. I found some policies that are for a specific period of time, that let you make one-time payment of premium (seems easier than monthly billing), that have reasonable deductibles. Some examples:

Assurant Health 93 days, $545.59 $500 deductible, 20% coinsurance. You pay 20% after deductible.

Assurant Health, 93 days, $483.58 $1000 deductible, 0% coinsurance. You pay 0% after deductible.

Assurant Health 93 days, $365.96 $1000 deductible, 20% coinsurance. You pay 20% after deductible.

Plan Highlights:

-freedom to choose own doctor and hospitals

-prescription drug coverage

-in-hospital and out-patient benefits

-does not cover pre-existing conditions (anything diagnosed or treated in the last 5 years)

-foreigners have to be in the country for a year before applying

-plays for up to 12 months (and then you can re-apply/renew) [i looked for 93 days because that's what I am interested in]

Kinda seems too good to be true (for my purposes).They have other options with higher deductibles - but I figure that if I were going to go that route, then I might as well stick with COBRA. For the $70 price difference, the first option seems like a good way to go - but the 0% coinsurance on the second option looks pretty good too.

Your big issue is going to be any pre-existing conditions that she has. It seems almost guaranteed that she isn't going to find anyone to cover that. At that point, it's not really "insurance" its getting someone else to pay bills you KNOW she is going incur.

Good luck!

AKDiver

Edited July 4, 2008 by akdiver