New Healthcare Requirements for US Immigrants

[90DayFinancier 910]

10 minutes ago, yuna628 said:

It would not if I were judging it, simply because such plans are not ACA compliant. The poster is spending money on junk plans that will not cover pre-existing conditions, and if it were me, it would be extremely unwise to purchase it. That being said we don't even know if such plans will pass the 'smell test' or whatever test they're using and I don't know that consular officers are going to be up on the specifics either..

But tourist plans and "catastrophic" pans are explicitly in according to the proclamation. Are they ACA compliant?  They may get you in the country but represent a huge risk and a poor long-term solution.

 

I think that baring a successful legal challenge, the interviewers have an impossible job. 

 

 

[Boiler 45,930]

Seems more logical to just show what your actual plan is, be added to a spouse, buy your own. Why mess around with pseudo travel policies.

[Clarebear101 56]

Can anyone following this who has an interview in Juarez the next few weeks please let us know what the interviewer required to prove health insurance would be obtained?? This is so damn frustrating... 

 

[yuna628 9,697]

33 minutes ago, 90DayFinancier said:

But tourist plans and "catastrophic" pans are explicitly in according to the proclamation. Are they ACA compliant?  They may get you in the country but represent a huge risk and a poor long-term solution.

 

I think that baring a successful legal challenge, the interviewers have an impossible job. 

 

 

No they aren't compliant. Which begs the question, if the whole thing is supposed to be about self sufficiency and not being a potential burden, why even mention those as an option? 😉

22 minutes ago, Boiler said:

Seems more logical to just show what your actual plan is, be added to a spouse, buy your own. Why mess around with pseudo travel policies.

Agreed. But they haven't really provided details on how or what will be acceptable proof, have they?

[Keem12 9]

4 minutes ago, yuna628 said:

No they aren't compliant. Which begs the question, if the whole thing is supposed to be about self sufficiency and not being a potential burden, why even mention those as an option? 😉

Agreed. But they haven't really provided details on how or what will be acceptable proof, have they?

Well we have 1 and half day to see if it gets block, if not I hope the white house put out something much more clear.

[90DayFinancier 910]

1 hour ago, yuna628 said:

No they aren't compliant. Which begs the question, if the whole thing is supposed to be about self sufficiency and not being a potential burden, why even mention those as an option? 😉

Agreed. But they haven't really provided details on how or what will be acceptable proof, have they?

It doesn't even specify insurance as the only solution.

 

immigrants seeking to enter the country must show the ability to pay for “reasonably foreseeable medical costs.”

 

how does one measure that?

Edited November 1, 2019 by 90DayFinancier

[assila 16]

5 hours ago, Love To Teach said:

You should be able to add your spouse, as this is a "life change" event.

I am currently on my mothers healthcare plan. We both work at the same place. I talked to our HR manager about how I go about adding my husband and 2 sons. She told me not to worry because, it's a "life change" event, and I could start my own plan and add them when they arrive.

 

My HR manager wants me to get a copy of the rule that states they need to be insured within 30 days. Does anyone happen to know where I can find that? Thank you.

[yuna628 9,697]

25 minutes ago, assila said:

I am currently on my mothers healthcare plan. We both work at the same place. I talked to our HR manager about how I go about adding my husband and 2 sons. She told me not to worry because, it's a "life change" event, and I could start my own plan and add them when they arrive.

 

My HR manager wants me to get a copy of the rule that states they need to be insured within 30 days. Does anyone happen to know where I can find that? Thank you.

Goodness, the HR doesn't even know? This shouldn't be your responsibility...  Here's a little publication overview from the DoL https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/publications/life-changes-require-health-choices.pdf

And the exhcange itself: https://www.healthcare.gov/glossary/special-enrollment-period/ SLEQ's for the exchange are 60 days, but job based plans must be 30 days. Generally every single insurer will have language to this effect, surely your HR should know how their own plans work?

 

Explaining what qualifiers and timeframe is https://smartasset.com/insurance/what-counts-as-a-qualifying-life-event

 

Edited November 1, 2019 by yuna628

[assila 16]

5 minutes ago, yuna628 said:

Goodness, the HR doesn't even know? This shouldn't be your responsibility...  Here's a little publication overview from the DoL https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/publications/life-changes-require-health-choices.pdf

And the exhcange itself: https://www.healthcare.gov/glossary/special-enrollment-period/ SLEQ's for the exchange are 60 days, but job based plans must be 30 days. Generally every single insurer will have language to this effect, surely your HR should know how their own plans work?

 

Explaining what qualifiers and timeframe is https://smartasset.com/insurance/what-counts-as-a-qualifying-life-event

 

Yeah. I was surprised when she asked me to bring her a copy. Thank you for your help!

[yuna628 9,697]

31 minutes ago, 90DayFinancier said:

It doesn't even specify insurance as the only solution.

 

immigrants seeking to enter the country must show the ability to pay for “reasonably foreseeable medical costs.”

 

how does one measure that?

Well I can only surmise that if you were a millionaire, and produced evidence to show that your bank account was loaded with sufficient cash to pay outright any foreseeable medical costs for the immigrant's care? But yes, sarcasm aside, it is difficult to quantify. Some people do have insurance but still manage to go bankrupt due to unforeseen medical diagnosis. 

[90DayFinancier 910]

5 minutes ago, yuna628 said:

Well I can only surmise that if you were a millionaire, and produced evidence to show that your bank account was loaded with sufficient cash to pay outright any foreseeable medical costs for the immigrant's care? But yes, sarcasm aside, it is difficult to quantify. Some people do have insurance but still manage to go bankrupt due to unforeseen medical diagnosis. 

Pro tip: don't hack or cough during your interview, it could tip the scales against you <just joking!

[Clarebear101 56]

57 minutes ago, assila said:

I am currently on my mothers healthcare plan. We both work at the same place. I talked to our HR manager about how I go about adding my husband and 2 sons. She told me not to worry because, it's a "life change" event, and I could start my own plan and add them when they arrive.

 

My HR manager wants me to get a copy of the rule that states they need to be insured within 30 days. Does anyone happen to know where I can find that? Thank you.

A change in status (visa) is grounds for a special enrollment period for any health insurance company.  

[90DayFinancier 910]

PP 9945 does not suspend or limit the entry of applicants if they do not have coverage, but possess financial resources to pay for reasonably foreseeable medical expenses. Reasonably foreseeable medical expenses are those expenses related to existing medical conditions, relating to health issues existing at the time of visa adjudication.

(While it is advisable that one have insurance in the US, if you have no chronic illness, couldn't you just claim that you can afford your medicine and check-up and slip through?)

 

Edited November 1, 2019 by 90DayFinancier

[rick313 5]

On 10/31/2019 at 11:33 AM, artcodex said:

yes until the court rules this will go into effect, hopefully the case moves forward quickly.

 

Technically parents are exempty for "having" to show insurance but this is guidance the embassy/consulates are being given:

Hi. Do you have a full source for these instructions to consular offices? My father in law is applying under an IR5, and we anticipate an interview soon. Thanks

[cboy 1]

38 minutes ago, rick313 said:

Hi. Do you have a full source for these instructions to consular offices? My father in law is applying under an IR5, and we anticipate an interview soon. Thanks

Same here. My MIL and FIL will have interviews soon.