Medical insurance - UK/USA

[Archeon 0]

Hi everyone,

I have a rather specific issue:

1) I have a K-1 Visa

2) I need ~1 months medical insurance before i can get added to my soon to be spouces health cover provided by her work

3) All the sites i go on seem to recommend "HCCMedical" (atlas series) for health insurance when immigrating, but when i get to fill out the form is wants "date returning to home country" (despite it being in the immigration section on their web site) and seems to count as travel insurance.

4) I have a pre existing condition that I need cover for (the policy above offers protection against "acute illness" relating to pre existing condition, which is perfect).

5) I have been told all "travel insurance" is invalid once you enter as an immigrant, tho K-1 is technically non immigrant?

Can anyone suggest the best course of action for me here?

Cheers,

Arch

[JimVaPhuong 4,863]

You will be a non-immigrant until you marry and file for AOS. For date of return you can probably just put the projected date when you expect your I-94 will expire, which is 90 days after you enter the US.

If your fiancee has medical insurance through her employer then you will probably be able to be added to her policy as soon as you are married. If you marry soon after arriving then there's a very good chance you'll be covered before your I-94 expires. You may also want to check into the specific terms of her insurance policy. The HIPAA offers some protections for coverage of pre-existing conditions, but those are only the minimum protections - the state you will live in and/or the insurance policy may be more generous. Under the HIPAA, coverage for your pre-existing condition as a "special enrollee" could be restricted or completely excluded for up to 12 months. If the state or the insurance policy are more generous, then the period of exclusion could be shorter, or there could be no period of exclusion at all.

I didn't purchase any insurance for my fiancee. We married the week after she arrived. I added her to my employer's insurance plan the following week, though she was technically covered from the day we were married.

[Captain Oates 911]

ps spouces are like scousers in that it's best to use another word.

I would suggest spouses or in this case spouse's

ok now you have been detained for spoucing without a license, yes there is actually immigrant health insurance that can be bought by the month. We used it and it's cheap

Try googling 'immigrant health insurance'

Edited June 6, 2010 by saywhat