Temporary Health Insurance

[darkchilde794 5]

Hi guys!

We just found out that adding me to my husband's health insurance plan would cost about 4k a year... super sucks

So Im trying to find a private health insurance that will tide me over until I get a job... I called Aetna and they said I have to be here for 6 months straight before I can qualify. Anyway, has anyone tried to do this? Is there a temporary health insurance available out there for cases like me?

Thanks for your help

[Varba 0]

We will be looking as well, we had "wonderful" news that my health care would enjoy billing us for all of December as our civil ceremony will be on Dec 31st.

Granted, they won't cover Peachey during the 4 days leading up to the ceremony that she doesn't have coverage from her canadian insurance becuase we're not married...

But they will bill us for the whole month happily, anyhow.

I believe, if we can find some temporary insurance to go until the end of December, we can honestly and truthfully tell them that her insurance will lapse and then add her to my plan.

4k is pretty rough though Dark. Is it like a super awesome plan?

[thetreble 19]

4K sounds about right if it's completely private.

[Varba 0]

4K sounds about right if it's completely private.

Hrm... my estimate for Peachey came back at 2.5k.

Maybe mine is low.

[Udella&Wiz 325]

If your husband's is entirely private - why not shop around together for a family plan? 4 k / year or ($333.33 per month) really isn't that bad you know...I would wonder if you could find anything better for family coverage without suffering a loss of benefits.

For Varba - why not add Peachey as of Jan 1? Since they won't add her until you're legally married it sounds like? Usually you have 31 days after a 'life event' to add the new family member.

[thetreble 19]

4 k / year or ($333.33 per month) really isn't that bad you know...I would wonder if you could find anything better for family coverage without suffering a loss of benefits.

Not bad at all. We were paying 400/month for insurance when I first came to the US and that was through Jared's work. So finding any cheaper going through the no work option is going to be pretty hard I think.

[Varba 0]

For Varba - why not add Peachey as of Jan 1? Since they won't add her until you're legally married it sounds like? Usually you have 31 days after a 'life event' to add the new family member.

For some reason they will only add her on the actual day. They are being dicks about it too, I'm very tempted to shop around but I know the price is pretty decent for the coverage.

[darkchilde794 5]

I think that is the case if you add a spouse to the insurance... and I think it might be more expensive cause we are in Baltimore... Ive asked friends and they say that 400 a month sounds about right.

Unfortunately, his stupid work already added me and Ill be in it until the end of December... which is good I guess, I can get prescription refills and a physical, which is also needed to get into a private insurance.

Im not entirely too happy about this. I dont want to gripe and play the blame game but my husband should have asked about this before I left Canada... and now its like frigging too late. And I told him not to add me before talking to me, and obviously he did not tell the person not to add me right away, and now Im added.

*SCREAM* I am just so angry.

Anyway, I just plan on not getting sick for 5 months I guess

[Udella&Wiz 325]

I think that is the case if you add a spouse to the insurance... and I think it might be more expensive cause we are in Baltimore... Ive asked friends and they say that 400 a month sounds about right.

Unfortunately, his stupid work already added me and Ill be in it until the end of December... which is good I guess, I can get prescription refills and a physical, which is also needed to get into a private insurance.

Im not entirely too happy about this. I dont want to gripe and play the blame game but my husband should have asked about this before I left Canada... and now its like frigging too late. And I told him not to add me before talking to me, and obviously he did not tell the person not to add me right away, and now Im added.

*SCREAM* I am just so angry.

Anyway, I just plan on not getting sick for 5 months I guess

i think we're trying to tell you what you're paying isn't really that bad - I doubt you'll find cheaper coverage in private coverage without taking a cut in what you're covered for.

Realistically you wouldn't want to go without coverage, right? never know what might happen. It is a big shocker when you come down here and realize how much we weren't paying for back in Canada

If you geta job with good insurance, his company should automatically remove you at his request...I wouldn't remove yourself before you have that coverage though

PS we pay $500+ per month and that's just our portion, the company pays the rest - I'd hate to pay the full amount

For Varba - why not add Peachey as of Jan 1? Since they won't add her until you're legally married it sounds like? Usually you have 31 days after a 'life event' to add the new family member.

For some reason they will only add her on the actual day. They are being dicks about it too, I'm very tempted to shop around but I know the price is pretty decent for the coverage.

yah - 2.5k/year is darn good for a couple

Edited December 2, 2009 by Udella&Wiz

[darkchilde794 5]

I wish/hope its 400 dollars a month for the two of us, but I think its just for me Im sure this is like ultra good insurance, and I told my MIL if we are paying 400 for health care just for me, I will be the doctors office every week

I did find some decent private insurance. Made another local to a local broker and said that I can get insured without waiting for 6 months... hope what he is saying is true Its barebones but it works!

[KnJ 0]

I got a barebones, pretty much just catastrophic insurance plan that is designed for our situation -- called Inbound Immigrant insurance, it's through Seven Corners

...

It does include some doctor and prescription stuff, but honestly I don't know how limited it is. It must be activated within 24 months of entering the US and one can be on the plan for up to 5 years. I got it for 60 days for about $150.

I'm using it as a stop gap until I can get on J's insurance, which I think is good, although the company is currently making employees choose between some different options that I have no idea ####### it all means, I'm trying really hard to not frick the frak out a.k.a keep my inner socialist in check. Also the HR department is being incompetent about adding me to the plan, but we're being assured that I'll be covered as soon as we're married (retroactively if somehow the paperwork isn't all done by that time).

<deleted political comment>

Edited December 2, 2009 by KnJ

[darkchilde794 5]

I got a barebones, pretty much just catastrophic insurance plan that is designed for our situation -- called Inbound Immigrant insurance, it's through Seven Corners

Wow. A health insurance just for people like us.

Ooooohhh.... I knew there was wisdom in posting here

[KnJ 0]

I got a barebones, pretty much just catastrophic insurance plan that is designed for our situation -- called Inbound Immigrant insurance, it's through Seven Corners

Wow. A health insurance just for people like us.

Ooooohhh.... I knew there was wisdom in posting here

Hehehe

I totally balked at the online quotes of 300-500 per month for health insurance. I got a call from or called a representative at one point, explained my situation and she recommended Seven Corners even though she had no affiliation with them. Extremely helpful.

If there's some kind of clusterfvck and I can't get on J's insurance right away, I can always extend this coverage.

[Sam and Ben 2]

I'm really concerned now... Ben's company said his insurance would go from $30/month up to $80ish... Wonder what that actually includes if those are the prices you all are hearing...

[Peachey 10]

Varba's going to be paying an extra 180/month for me, that's not the full price, his company subsidizes some of it.