health insurance

[kate&eugine 0]

Hi everyone...

Sorry if this topic has been discussed multiple times, but i can't seem to get anything useful when i do a search.

My husband is adjusting his status now from a K1 to permanent resident and i can't seem to find any health insurance company that will insure non-us citizens. i need to get him an individual plan, as i am working two jobs part time and to add him to my insurance through work would be ridiculously expensive. i'm looking for just a bare bones plan, with an unlimited (or very high) lifetime maximum and a $2500 or so deductible. just to cover the real emergencies. he needs this for school and it would be just for the meantime, until my job goes fulltime or until he's working.

anybody have any experience with this...what did you guys do?

kate

[hafiz 1]

[Kez/JWolf 6]

Cant help with any info.... sorry

I ended up going for 4 months without medical insurance until I was working.... good luck in finding something...

Kezzie

[MHandMB 0]

Cant help with any info.... sorry

I ended up going for 4 months without medical insurance until I was working.... good luck in finding something...

Kezzie

Go to ehealthinsurance.com. I just insured my husband with a Golden Rule policy, and it was approved. They did not ask about his citizenship status. Some of the other companies (blue cross) did ask. They also have short-term insurance that's pretty cheap.

[TracyTN 237]

Thank you, that was MOST helpful!!!

[arwensun1965 0]

I came here on a K1 and when I married my SO he put me on his Group Health Plan, I am soooo grateful that he did as I ended up going to ER last night. I think it is very important that you try to get some sort of health plan for him no matter what the cost, as it might end up costing you more in the long run.

Janice

[Not Available 0]

My husband found me insurance on the ehealtheinsurance website. He insured me with UniCare. It was $1000 deductible for 93 bucks a month. It didnt ask for citizenship or anything. You will probably need a SSN to apply though.

[Steffi 0]

Since hubby was working as a freelance employee he wasn't insured either, so we both went with Blue Cross Blue Shield and I don't recall having had any problems at all. I think all they wanted was my SS# and then I got coverage.

[BettieBlue 0]

The company I work for uses Aetna & I was able to add my Tony to it even though he's only been here a little over a month and has no SSN yet. His insurance card came in the mail. He was so excited....it was the first piece of mail he got with his name on it.

[felshen 0]

I just got my husbands insurance card as well.. I added him to my company insurance and we both have agreed that when he geta a job we will cancel mine and take his if benefits are better or just stick with mine if not. he doesnt have a ss# either they just took copy of his passport and visa and used my ss#

[Collie 122]

If you can't be added to your spouses policy, then ehealthinsurance.com is the best site to go to. Blue cross blue shield do a lot of policies which you can apply for with your spouses SSN. Personally I'm holding off until i'm working, but its a good site!

[saturn5man 0]

Well I am sooooo glad that I got added to my wife's work (Blue Cross/Blue Shield) policy last year, even though the extra premium for me is $367 a month !! I am 58, however. 'Spring chickens' might come 'cheeper' ;)

I have since had major shoulder problems and an MRI Scan alone, a few weeks ago' cost $1,470 ! Fortunately, my co-pay for that was $70. I still have a $2,000 a year out of pocket limit and no dental cover either.

My advice is take the best insurance you can get, and afford.

Good luck......Neil.

[kate&eugine 0]

Thanks for all the advice! i will definately check out ehealthinsurance

i also checked out www.wallach.com which is especially for people in eugines (and many of you) situation. it's $5 a day with the HealthCare America plan, and coverage is $100,000 for 3 months. then with HealthCare International it's a million dollar limit and $170 or so premium, and you have to buy a plan for 6 months up front. the only catch though, is if the permanent residency comes through, the health insurance is no longer valid. no refunds, no ifs ands or buts. its great coverage though. (well, it had better be for $170 a month!!)

just thought i'd throw in that info.

still researching...

kate

[Paul and Melanie 0]

Pft! I haven't had health insurance for me (USC) for about 5 years now. I am just getting added to my husband's (Benfeciary) policy from his work in 2 weeks. LOL gosh, I should be so proud of myself.

Good luck with ehealth or whatever it was. I should have done that, but now it will only be 100 bucks for both of us through his job

[coocoo4cocoapuffs 0]

Cant help with any info.... sorry

I ended up going for 4 months without medical insurance until I was working.... good luck in finding something...

Kezzie

Go to ehealthinsurance.com. I just insured my husband with a Golden Rule policy, and it was approved. They did not ask about his citizenship status. Some of the other companies (blue cross) did ask. They also have short-term insurance that's pretty cheap.

Thanks! I will check out this site... I hope they ensure high risk individuals that are yet abroad..

I must obtain health insurance for my spouse as a prereq. for visa issuance (currently medically inadmissable)