health insurance !

[Captain Oates 911]

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

Thanks for that..good tip ..

When Carolyn registered with the NHS last year they said they didnt do nhs cards any more - I havent seen mine for 30 years or so...

I will call in to the docs on Monday and ask em if they can issue something..

yes good tip..

alan

Edited September 29, 2007 by saywhat

[Captain Oates 911]

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.

Hey thats a relief - Carolyn was quite knocked back by the refusal so this is good...

She is working on it now..

I guess we need to have our address fixed up in Florida before they will issue a policy and we already decided to get somewhere blind over the net... We will pay a bit more for rent so we get a good sub division in st petersburg

Then we can get health insurance/car insurance/register the car and get driver's licences

If we get a place on one month's notice then that's all we lose if it turns out to be bad and we cant wait a month to get out...

dont know what people did without the net ! imagine no internet and no vj...

thanks again

alan

[Britchick 0]

I went on my husbands health insurance( Anthem Blue Cross) the day we were married...they needed me to prove that I had been previously insured...so I spoke with someone at the NHS...they faxed a letter stating my son and I had been covered under the NHS.....no problem....thank heavens as my son needed hip surgery 6 weeks after we got here!!!!

let me know if u need the guys name who faxed the NHS reply...I will hunt it out:)

Edited September 29, 2007 by Britchick

[Captain Oates 911]

I went on my husbands health insurance( Anthem Blue Cross) the day we were married...they needed me to prove that I had been previously insured...so I spoke with someone at the NHS...they faxed a letter stating my son and I had been covered under the NHS.....no problem....thank heavens as my son needed hip surgery 6 weeks after we got here!!!!

let me know if u need the guys name who faxed the NHS reply...I will hunt it out:)

Right ... good thinking... I will call in the docs and see if they will give me a letter...

Weird that they dont bother with NHS cards now

i reckon the doc will fix me up with a letter although i didnt want to tell em i was leaving - but if i need to nip back for a new heart/brain/lungs i just walk in and say i have returned, repair me....

NHS is the best thing that ever happened to the UK and about the only thing of significance that I can remember any politicians doing - they all seemed to go to sleep after that..as I was born 1 year before it started, so my mother probably paid to have me - well worth it.

I will have to ask her...

thanks again... alan

[Kez/JWolf 6]

I went on my husbands health insurance( Anthem Blue Cross) the day we were married...they needed me to prove that I had been previously insured...so I spoke with someone at the NHS...they faxed a letter stating my son and I had been covered under the NHS.....no problem....thank heavens as my son needed hip surgery 6 weeks after we got here!!!!

let me know if u need the guys name who faxed the NHS reply...I will hunt it out:)

Right ... good thinking... I will call in the docs and see if they will give me a letter...

Weird that they dont bother with NHS cards now

i reckon the doc will fix me up with a letter although i didnt want to tell em i was leaving - but if i need to nip back for a new heart/brain/lungs i just walk in and say i have returned, repair me....

NHS is the best thing that ever happened to the UK and about the only thing of significance that I can remember any politicians doing - they all seemed to go to sleep after that..as I was born 1 year before it started, so my mother probably paid to have me - well worth it.

I will have to ask her...

thanks again... alan

Once you are no longer resident in the UK... you can no longer just nip back for treatment... UK non=resident citizen are not entitled to NHS care... so unless you are going to keep a residence in the UK and continue to pay NI and Tax and be registered for Council tax you will need to take out insurance when you go back to visit the UK...

Kez

[Lansbury 19]

Once you are no longer resident in the UK... you can no longer just nip back for treatment... UK non=resident citizen are not entitled to NHS care... so unless you are going to keep a residence in the UK and continue to pay NI and Tax and be registered for Council tax you will need to take out insurance when you go back to visit the UK...

Kez

Are you not covered for emergencies?

I thought the NHS cover was withdrawn only for routine stuff, to stop being doing as Alan was jokingly suggesting. If you were visiting the UK and were taken ill there would be no charge. After all I have paid National Insurance for 42 years and if I had stayed in the UK when I retired I wouldn't be paying it, but I do pay UK income tax on my pension so consider I have more than paid for any treatment I might need on visits back home.

[athena_ny 1]

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.

Hey thats a relief - Carolyn was quite knocked back by the refusal so this is good...

She is working on it now..

I guess we need to have our address fixed up in Florida before they will issue a policy and we already decided to get somewhere blind over the net... We will pay a bit more for rent so we get a good sub division in st petersburg

Then we can get health insurance/car insurance/register the car and get driver's licences

If we get a place on one month's notice then that's all we lose if it turns out to be bad and we cant wait a month to get out...

dont know what people did without the net ! imagine no internet and no vj...

thanks again

alan

Can I ask what complex in St Pete? (Some look nice but really aren't...ask me how I found that one out)

[Captain Oates 911]

I went on my husbands health insurance( Anthem Blue Cross) the day we were married...they needed me to prove that I had been previously insured...so I spoke with someone at the NHS...they faxed a letter stating my son and I had been covered under the NHS.....no problem....thank heavens as my son needed hip surgery 6 weeks after we got here!!!!

let me know if u need the guys name who faxed the NHS reply...I will hunt it out:)

Right ... good thinking... I will call in the docs and see if they will give me a letter...

Weird that they dont bother with NHS cards now

i reckon the doc will fix me up with a letter although i didnt want to tell em i was leaving - but if i need to nip back for a new heart/brain/lungs i just walk in and say i have returned, repair me....

NHS is the best thing that ever happened to the UK and about the only thing of significance that I can remember any politicians doing - they all seemed to go to sleep after that..as I was born 1 year before it started, so my mother probably paid to have me - well worth it.

I will have to ask her...

thanks again... alan

Once you are no longer resident in the UK... you can no longer just nip back for treatment... UK non=resident citizen are not entitled to NHS care... so unless you are going to keep a residence in the UK and continue to pay NI and Tax and be registered for Council tax you will need to take out insurance when you go back to visit the UK...

Kez

That's officially of course...

I paid £24k tax per annum for 14 years plus max NHI right back to 1964.

I see rag tag and bobtails who have always lived on welfare coming back from Tenerife to get full medicals etc without any questions...

When my critics have paid 10% in, of what I have paid in, I might listen to that stuff

Anyway if I needed liver/heart etc I would rent a flat in the UK and become resident for the time it took to fix me up then apply for a green card re-entry permit to the US. That is legal so hah !

It isnt just politicians who can 'game the system' (and get away with it legally)

jeez these goody two shoes types make me puke

- especially when they have most likely made a tiny contribution compared to me

Edited October 1, 2007 by saywhat

[Kez/JWolf 6]

I went on my husbands health insurance( Anthem Blue Cross) the day we were married...they needed me to prove that I had been previously insured...so I spoke with someone at the NHS...they faxed a letter stating my son and I had been covered under the NHS.....no problem....thank heavens as my son needed hip surgery 6 weeks after we got here!!!!

let me know if u need the guys name who faxed the NHS reply...I will hunt it out:)

Right ... good thinking... I will call in the docs and see if they will give me a letter...

Weird that they dont bother with NHS cards now

i reckon the doc will fix me up with a letter although i didnt want to tell em i was leaving - but if i need to nip back for a new heart/brain/lungs i just walk in and say i have returned, repair me....

NHS is the best thing that ever happened to the UK and about the only thing of significance that I can remember any politicians doing - they all seemed to go to sleep after that..as I was born 1 year before it started, so my mother probably paid to have me - well worth it.

I will have to ask her...

thanks again... alan

Once you are no longer resident in the UK... you can no longer just nip back for treatment... UK non=resident citizen are not entitled to NHS care... so unless you are going to keep a residence in the UK and continue to pay NI and Tax and be registered for Council tax you will need to take out insurance when you go back to visit the UK...

Kez

That's officially of course...

I paid £24k tax per annum for 14 years plus max NHI right back to 1964.

I see rag tag and bobtails who have always lived on welfare coming back from Tenerife to get full medicals etc without any questions...

When my critics have paid 10% in, of what I have paid in, I might listen to that stuff

Anyway if I needed liver/heart etc I would rent a flat in the UK and become resident for the time it took to fix me up then apply for a green card re-entry permit to the US. That is legal so hah !

It isnt just politicians who can 'game the system' (and get away with it legally)

jeez these goody two shoes types make me puke

- especially when they have most likely made a tiny contribution compared to me

Glad you feel you have paid enough to make you entitled to free treatment in a country you no longer live in or pay taxes too.... what you paid in the past is for the past not the future.... You have chosen to no longer live in the country of your birth... that is your choice... but it is very unfair to expect that country to bail you out just because you feel you have paid more into that countries health service than others....

I too have paid into the NI system all my working days.... but I am not in the same age group as you... you must be 63 years old + but I am not too far behind you...... you will still benefit from your pension you paid into... but as for "gaming the system" if everyone did that then the UK would go bust.... do yourself and the rest of us a favour make sure you have enough health insurance here in your new home country so that you dont have to go back and "Game the system"...

Kez

[Captain Oates 911]

Lets see what happens if you get something really bad and your treasured insurance find an exclusion. At that stage you have the choice of losing your home and savings or flying back to the UK to get fixed for free.

I reckon you would be up those airplane steps like a hypocritical whirwind.

I have at least the same moral rights as the one million eastern europeans who have just landed. They didnt come for the weather you know. The NHS was a draw for them as well as other factors

Past contributions are a factor otherwise why would state pensioners get a pension ? I know they are not a factor accounting wise but morally they are.

If I land back on the same plane as a Pole who is just arriving, and we both fall down the airplane steps, why should he get fixed and not me ?

I am British and not American - I know that because the USCIS refers to me as an 'ALIEN'

As long as people call me that, I am not cutting my links to Britain.

[TracyTN 237]

Not to split hairs, Alan, but you will be a legal permanent resident when you arrive in the US (or at the very least, a conditional permanent resident). No more 'alien' for you at that stage.

[Captain Oates 911]

Not to split hairs, Alan, but you will be a legal permanent resident when you arrive in the US (or at the very least, a conditional permanent resident). No more 'alien' for you at that stage.

Sorry but you are WRONG !!!!

until a person takes US Citizenship they are a registered ALIEN and must report their change of address within 10 days...

even if they stay 50 years

thats why they were able to ban charlie chapin from re-entry decades after he took US residence

[Lansbury 19]

Glad you feel you have paid enough to make you entitled to free treatment in a country you no longer live in or pay taxes too....

Kez

So in my case as I still pay UK income tax I can hop on the plane back

[Kez/JWolf 6]

Lets see what happens if you get something really bad and your treasured insurance find an exclusion. At that stage you have the choice of losing your home and savings or flying back to the UK to get fixed for free.

I reckon you would be up those airplane steps like a hypocritical whirwind.

EDITED TO REMOVE PERSONAL INFORMATION

Kez

Edited October 1, 2007 by Niagaenola

[Captain Oates 911]

Can I ask what complex in St Pete? (Some look nice but really aren't...ask me how I found that one out)

Haven't selected it yet - I thought paying top dollar might ensure a decent place but there are high price dumps so I know to be careful.

I reckon need to pay 1500 plus for something ok...

Been paying that in scummy Darwen, Lancashire - rat and drug capital of the developed world