health insurance !

[Captain Oates 911]

This is something I've been tussling with myself -- I've been out of the country 12 years, and am for all intents and purposes self-employed. (I work for my UK employer remotely part-time on a consultancy basis, and the fancypants university where I will be starting as a research fellow in 2 weeks has refused me health care because I'm only on a fixed term contract.) I have NO idea where to start, what to do, or anything -- in my whole life I've only ever been on my parents' insurance (as a kid) and then the NHS.

Alan, if you and Carolyn figure out how to do this let me know!

Will do ! Carolyn is working on it as number 1 priority while I am making sure my new car is ready ! (and planning my motorbike test)

The visa process has taken away most of my will to live anyway so I dont care any more - but she is very very anxious about it and there will be no peace until she gets cover - and not just pauper cover...

I suppose if I need a new heart or the 'will to live ' part of my brain replacing, then I can always come back to the UK - so its her really...

She has a blood pressure of 125/75 and will live forever but she has seen what happens to people in the US who dont have cover.

If I have a 300k bill then having 2 years to pay doesn't help - its still 300k

I fully accept that I am leaving a free system with no annual limit, no condition limit, no lifetime limit, no copay and no deductible to enter a system of pay unlimited or else. I am not complaining about that coz I know all about it and nobody is forcing me.

How ironic that the immigrant is laid back ready for a either a painful death or all his wordly possessions being taken, while the USC is very worried. Perhaps she knows more than me - but it can't be worse than I have described - can it ?

anyway I am sure there is a company somewhere who will give us cover 'at a price'

[Captain Oates 911]

Alan...................................*wags finger*

You promised you wouldn't EVER complain once you got your visa........

1 I havent got my visa yet

2 I am not complaining - just asking for a company name for health insurance

I don't mind dying in the gutter with no health insurance - or losing my house and wad - it's the american way and I am coming there of my own free will and with that understanding - but Carolyn thinks it's a problem for her and is very anxious ...

I sense that you feel more comfortable being supportive of womankind so hows about some positive advice about such matters ?

Ah.....I'm just messing with you!!

Where's that sense of curmudgeonliness that I so adore?

I know - sorry I was prickly - I prefer to be confrontational not prickly. I fully intend to return and insult almost ALL women and absolutely ALL princess diana admirers at a later date !

I was practising on carolyn over tea and said that men dont want to turn women into men so whats all this about the new man and changing diapers and chosing which pink for the babies bedroom and all that tosh ! no wonder women cant find a man with a sperm count over 3. I sacked my last bird who was my best friend coz she had a motorbike and boots and a moustache and a deeper voice than me...

I like girlie birds though I despise girly thinking and that is the essence of male normality.

There thats a taster of whats coming once i find her health insurance !

haha curmudgeon is alive and kicking !

[rebeccajo 14]

Alan...................................*wags finger*

You promised you wouldn't EVER complain once you got your visa........

1 I havent got my visa yet

2 I am not complaining - just asking for a company name for health insurance

I don't mind dying in the gutter with no health insurance - or losing my house and wad - it's the american way and I am coming there of my own free will and with that understanding - but Carolyn thinks it's a problem for her and is very anxious ...

I sense that you feel more comfortable being supportive of womankind so hows about some positive advice about such matters ?

Ah.....I'm just messing with you!!

Where's that sense of curmudgeonliness that I so adore?

I know - sorry I was prickly - I prefer to be confrontational not prickly. I fully intend to return and insult almost ALL women and absolutely ALL princess diana admirers at a later date !

I was practising on carolyn over tea and said that men dont want to turn women into men so whats all this about the new man and changing diapers and chosing which pink for the babies bedroom and all that tosh ! no wonder women cant find a man with a sperm count over 3. I sacked my last bird who was my best friend coz she had a motorbike and boots and a moustache and a deeper voice than me...

I like girlie birds though I despise girly thinking and that is the essence of male normality.

There thats a taster of whats coming once i find her health insurance !

haha curmudgeon is alive and kicking !

*winks*

I'm the least 'girly thinking' girl bird you could hope to find!

[Captain Oates 911]

Actually I went over the top there again - I am not a mysoginist really and there are an awful lot of women whom I really admire - I reckon I am actually depressed right now and I am thinking and saying things that are not really me.

How weird to get so down when I am 3 weeks away from the interview and everything is going fine really.

I have ordered a superb brand new car which is waiting for me in Tampa and moved 100k in spending money to the US and I am giving notice on this rented dump today.

I really do think its some kind of post traumatic stress which only comes in after the hard times - in fact at a time when the war is over and eveything should be fine. It will be temporary I am sure.

Anyway, sorry to womankind, I don't mean to be SO insulting but I still need to be able to severly ridicule 'Princess Diana worshippers' at some future date

right back to the subject - health insurance - i will do some internetting today but any advice on companies who dont make you do 6 months without cover first, would be most appreciated

love Alan

[Kez/JWolf 6]

Try here...... http://www.nriol.com/insurance/view_inboundimmigrant.html

Kez

[Captain Oates 911]

Try here...... http://www.nriol.com/insurance/view_inboundimmigrant.html

Kez

great link Kez

I will kick it around - dont know if it covers USC spouse but will check it in depth..alan

[MargotDarko 0]

The hubby and I are planning to get short-term coverage from some place like AAA since we'll be getting car insurance from them as well. I haven't actually called them yet, so hopefully that plan isn't blown out of the water by the cold-hard truth!

[Aymerlu 3]

we were not able to get my husband insurance through an outside company. We actually were told he had to be here a year before he was eligable. (through an outside company) He was able to get it through his employer though with no problems at all.

[athena_ny 1]

Only thing I've heard FL has is KidCare for kids and that's usually based on income anyway, so if you're an immigrant with a liveable income...

[Lou Lou 1]

but I still need to be able to severly ridicule 'Princess Diana worshippers' at some future date

You are priceless , Alan.

[Jasman0717 9]

That sucks

[thesnowman 1]

Since my wife was in the UK with me, we all emigrated to American together. When we got there my son and her got Medicare (I could get it for obvious reasons). When I got a job we just canceled it and put everyone on my insurance.

[Captain Oates 911]

Since my wife was in the UK with me, we all emigrated to American together. When we got there my son and her got Medicare (I could get it for obvious reasons). When I got a job we just canceled it and put everyone on my insurance.

Yes I will be eligible for medicare at 65 as I will have been in country for 5 years...

As I am in receipt of a pension in payment (100% guaranteed by the UK government !), and we don't have kiddies or disabilities (apart from slight curmudgeoness for which I can't get a disabled parking badge), so we won't be getting any favours from anyone. As a middle aged/old male I am used to that.

So we will have to find some company willing to take on aliens with their green blood and blobby finger ends , or be bankrupted if anything happens...

I will look hard at the policies for immigrants mentioned above though...

Anyway it says in my passport that the Queen commands all persons (including unpardoned revolutionaries) to give me assistance, so I can't see anybody risking one of those long looks from Liz.

[Lansbury 19]

Carolyn is contacting health insurers in the States and ETNA have replied and said they will not cover anyone who has not been in the U.S. for six months... neither of us have...

dont know if this is the right forum but anyone else got a better company ?

What fun this emigrating is...

I got cover with Blue Cross/Blue Shield. Arranged it all before I left the UK and I was covered from the minute my feet touched US soil.

They have a six month rule but only for existing illness which haven't been covered by medical insurance. BC/BS in some States will accept the NHS as a previous medical insurer and cover pre-existing conditions from day one.

[Kez/JWolf 6]

Carolyn is contacting health insurers in the States and ETNA have replied and said they will not cover anyone who has not been in the U.S. for six months... neither of us have...

dont know if this is the right forum but anyone else got a better company ?

What fun this emigrating is...

I got cover with Blue Cross/Blue Shield. Arranged it all before I left the UK and I was covered from the minute my feet touched US soil.

They have a six month rule but only for existing illness which haven't been covered by medical insurance. BC/BS in some States will accept the NHS as a previous medical insurer and cover pre-existing conditions from day one.

That is what I did.... I had to send a copy of my NHS card to Empire Blue and once they had seen that I was covered under the NHS in the UK I was able to get health insurance with pre-existing conditions covered from the day we were married...

I have been looking at health insurance for my parents... they hope to immigrate over here as soon as they can after I become a citizen... all the insurance companies I have spoken with have said as long as they can prove they were covered under the NHS insurance then they will be covered from the day they get here and again they will cover pre-existing conditions...

Kez