Health insurance

[keickhoff 104]

Anyone with experience regarding health insurance for beneficiary until they get their residence card?

Thanks

[Ontarkie 14,218]

~~Moved to Moving Here and Your New Life, form K1 P&P - as the topic of health insurance has been discussed here~~

[Mike E 11,739]

2 minutes ago, keickhoff said:

Anyone with experience regarding health insurance for beneficiary until they get their residence card?

Thanks

Does the citizen petitioner have health insurance through work and does that insurance cover spouses?

[keickhoff 104]

No I am retired and on Medicare 

[Boiler 45,467]

Marry asap

 

NoA will allow her to buy through the exchange

[Mike E 11,739]

9 minutes ago, keickhoff said:

No I am retired and on Medicare 

The alien spouse will have to get health insurance through healthcare.gov. 

[keickhoff 104]

Her interview is June 28th, and our tentative wedding date is August 12th, I was hoping should get coverage through healthcare.gov but wasn’t sure

Thanks for the help

[EatBulaga 315]

16 hours ago, keickhoff said:

Her interview is June 28th, and our tentative wedding date is August 12th, I was hoping should get coverage through healthcare.gov but wasn’t sure

Thanks for the help

Yes please let us know your experience with healthcare.gov?

 

After the NOA2 I-797, your fiancée should have an A-Number (above the name), which you should use for all subsequent forms like I-134, I-485, etc. If you buy temporary travel health insurance for your fiancée, the travel health insurance company will ask for the A-Number.

 

I had planned to add my fiancée to my work insurance after we get married, but that will take a few months to several months, which can get expensive with travel health insurance like over a thousand. I had not considered healthcare.gov, but will certainly consider it if there are positive experiences by others.

 

So if anyone knows of experiences or links to other experiences with healthcare.gov for K1 fiancées, please share. Thanks much!

Edited May 31, 2022 by EatBulaga

[Boiler 45,467]

Why the delay adding your spouse, should be quick and easy

[EatBulaga 315]

21 minutes ago, Boiler said:

Why the delay adding your spouse, should be quick and easy

We are not married yet, which can take a few weeks from when the K1 beneficiary arrives to marriage.

Then there is the enrollment period delay, which starts for my company in September but activated in October.

So from when your K1 beneficiary lands in the US in June to actually getting employment health coverage, there is a possible 5-month period of no health insurance coverage.

 

How have other K1 petitioners handled the health insurance coverage for their K1 beneficiary?

 

Addendum: I did a preliminary check with healthcare.gov, certain new arrivals are eligible

https://www.healthcare.gov/immigrants/immigration-status/

Edited May 31, 2022 by EatBulaga

[slavaskii 886]

Glad I found this thread because this was exactly my 'task' for the week. From reading the healthcare.gov site, is my understanding correct that we can apply for insurance through this once the AoS process begins, but not as soon as the K1 arrives in the US? I wonder if it's logical to look for visitors insurance up until sending out the AoS documents; I recall it being fairly inexpensive and extendable. 

 

To use OP's case as an example, if they marry mid-August would that mean the K1 is ineligible for the exchange before then?

Edited May 31, 2022 by slavaskii

[Chancy 6,241]

4 minutes ago, slavaskii said:

From reading the healthcare.gov site, is my understanding correct that we can apply for insurance through this once the AoS process begins, but not as soon as the K1 arrives in the US?

 

Yes, AOS applicant (ie. pending I-485) is an acceptable immigration status for getting coverage through healthcare.gov, while K1 status is not.  Healthcare.gov requires upload of proof of status (eg. I-485 NOA1) to check eligibility.

 

[EatBulaga 315]

17 minutes ago, slavaskii said:

Glad I found this thread because this was exactly my 'task' for the week. From reading the healthcare.gov site, is my understanding correct that we can apply for insurance through this once the AoS process begins, but not as soon as the K1 arrives in the US? I wonder if it's logical to look for visitors insurance up until sending out the AoS documents; I recall it being fairly inexpensive and extendable. 

I was looking at Allianz travel insurance and possibly up to 5 months coverage which will run 500-1000+ depending on how much benefit and deductible that you want.

https://www.allianztravelinsurance.com/

I didn't really shop around, but if you find something better, please share.

 

To follow up on what I mentioned earlier about healthcare.gov, I did a little more digging into the marketplace.

https://www.healthcare.gov/immigrants/lawfully-present-immigrants/

 

If the K1 beneficiary/AOS has income below the 100% Federal Poverty Line (FPL), therefore:

"If your annual household income is below 100% FPL: If you’re not otherwise eligible for Medicaid you’ll qualify for premium tax credits and other savings on Marketplace insurance, if you meet all other eligibility requirements."

 

However if the K1 beneficiary/AOS is included and claimed into the K1 petitioner household, the income level is above 100% FPL, therefore:

"If your income is in this range, in all states you qualify for premium tax credits that lower your monthly premium for a Marketplace health insurance plan."

Or if above 400% FPL, there:

"If your income is above 400% FPL, you may now qualify for premium tax credits that lower your monthly premium for a 2022 Marketplace health insurance plan."

 

Now my question is if the K1 petitioner/beneficiary/AOS applies for the "qualify for premium tax credits that lower your monthly premium...", does that constitute "public charge" or "government assistance" and possibly a disadvantage to the I-864 Affidavit of Support for the AOS?

Edited May 31, 2022 by EatBulaga

[Lemonslice 4,836]

50 minutes ago, EatBulaga said:

We are not married yet, which can take a few weeks from when the K1 beneficiary arrives to marriage.

Then there is the enrollment period delay, which starts for my company in September but activated in October.

So from when your K1 beneficiary lands in the US in June to actually getting employment health coverage, there is a possible 5-month period of no health insurance coverage.

 

How have other K1 petitioners handled the health insurance coverage for their K1 beneficiary?

 

Addendum: I did a preliminary check with healthcare.gov, certain new arrivals are eligible

https://www.healthcare.gov/immigrants/immigration-status/

Mariage is a qualifying event, so you shouldn't have to wait.

[Boiler 45,467]

21 minutes ago, Lemonslice said:

Mariage is a qualifying event, so you shouldn't have to wait.

Yea the simple solution 

 

New immigrant insurance falls into the better than nothing category