Health Insurance for Fiancé

[usaman1999 17]

My plan will not cover a fiancé, only a spouse. How would one seek coverage for a fiancé prior to marriage?

[Mike E 11,739]

Several will chime in and say there is no solution and I disagree. Because I bought a solution. In fact it was an ad pushed on visajourney  at the time. 

 

Search web for:

 

   k1 health insurance
 

and this will lead you to insurers who will provide coverage. This will be catastrophic insurance coverage such that if a disaster happens your fiancé can be air lifted back to his country of citizenship for treatment after getting stabilized in the USA. 
 

This is not a long term solution for your fiancé. Pay for at most one month of coverage. As soon as you apply for his SSN, get married as fast as possible (Utah web service) and then add him to your insurance.  
 

 

 

 

Edited November 30, 2022 by Mike E

[usaman1999 17]

Interesting. But why would anybody ####### their K-1 Visa by transferring medical care to the home country? That makes no sense. 

Just now, usaman1999 said:

Interesting. But why would anybody jeopardize their K-1 Visa by transferring medical care to the home country? That makes no sense. 

 

[EatBulaga 315]

2 hours ago, usaman1999 said:

My plan will not cover a fiancé, only a spouse. How would one seek coverage for a fiancé prior to marriage?

I bought my K1 beneficiary travel insurance for the first month she was in the US that included fairly good emergency health coverage.

https://geobluetravelinsurance.com

You can shop around to see if there are better deals out there?

 

After marriage, you can usually update health insurance to cover spouse retroactive to the date of marriage even if you don't have the marriage certificate right away.

Edited November 30, 2022 by EatBulaga

[Chancy 6,241]

*** Moved from K1 Process & Procedures to Moving to the US and Your New Life In America forum, where insurance-related topics are discussed ***

 

[Mike E 11,739]

2 hours ago, usaman1999 said:

Interesting. But why would anybody ####### their K-1 Visa by transferring medical care to the home country? That makes no sense. 

 

Because it’s a serious life threatening issue.  The K-1 can always try again after he recovers.  
 

If you are certain there will a serious life threatening issue in first week after entering the USA, K-1 is perhaps not the visa for you.  

[DaveAndAnastasia 2,092]

There are various short-term insurance plans available and you can decide for yourself if the coverage is good enough to be worth it for you, but if you're using a K-1 how you're supposed to (which is to say you already know you are going to get married, you're not treating it as a "trial period"), the best thing is to just get legally married ASAP and put your new spouse on your plan. And many employers will let you make coverage retroactive to your legal wedding date.

 

So in our case Anastasia had no health insurance for ... three days. I think that was a manageable risk.