Clergybones

1 hour ago, Crazy Cat said:

ACA is certainly available....but could be very expensive. 

If ACA is very expensive, then why even go with ACA? Any other health insurance would work, no?

11 minutes ago, Crazy Cat said:

Deductible is what the patient pays before the insurance will paid a penny.  A Co-pay is what a patient pays for each visit.  Other things to research:

Covered cost

Costs not covered

Maximum out-of-pocket

 

10 minutes ago, belinda63 said:

The deductible if the amount you have to pay out of your pocket before the insurance will pay anything. 

Yes, I understand the deductible part where you have to pay a specified amount before the insurance will pay for their part. But for example, if a deductible is $900, does that mean you have to pay for this amount each time you see a doctor? 

1 hour ago, SalishSea said:

You’re sure they will be eligible for Arizona’s Medicaid program?  Last I checked, it wasn’t known for being one of the most immigrant-friendly states.

 

You may want to confirm all of the things you are making assumptions about.

Will definitely have to confirm. According to the Medicaid site, (https://www.medicaid.gov/medicaid/eligibility/index.html) their eligibility requirements states: 

Non-Financial Eligibility

To be eligible for Medicaid, individuals must also meet certain non-financial eligibility criteria. Medicaid beneficiaries generally must be residents of the state in which they are receiving Medicaid. They must be either citizens of the United States or certain qualified non-citizens, such as lawful permanent residents. In addition, some eligibility groups are limited by age, or by pregnancy or parenting status.

The IL's will be a lawful permanent resident so they will meet this eligibility due to low/no income from my understanding. My next question here is, if I claim them as dependents for tax, will the IL's still be able to claim a "no-income" status being as a dependent? If not, then it looks to me it might be best to not claim them as dependents.

9 minutes ago, Sarah&Facundo said:

Definitely at least several hundred dollars a month per person plus a very high deductible on the ACA/Obamacare. 

 

Edited to add: You can actually go to healthcare.gov right now, plug your parents information (birthdate, expected state/city) in and see exactly what it would cost. Keep in mind it goes up every year. I was on ACA for years until very recently, but I am so thankful it exists because without it, we would not have had healthcare.

Thank you. So I looked at some of the plans and I see that they have various deductible amounts such as $900 all the way to $2000. How does this work exactly? If they were to go see a Doctor, would they have to pay at least $900 for each visit if the deductible was this amount? Even though the cost of the Doctor visit costs less than $900?

2 hours ago, Boiler said:

5 years for Medicare, and they are that old but intend to work?

I meant Medicaid, my mistake. They will intend to work but not as soon as they step foot into the US. Hiring process takes time as you know and also with the language barrier and challenges that most people will be faced with. 

11 minutes ago, SalishSea said:

No, they won't.  Not until they've been here for at least five years and also are 65.

I just talked about Medicare vs Medicaid in my earlier post and now I got confused again. 😅

They won't be going for Medicare, but for medicaid rather, and they should be eligible for that.

28 minutes ago, SalishSea said:

Maybe I'm wrong.  You will need to shop around.  But yes, insurance premiums in the US are not cheap.  It's what keeps people working beyond the age at which they would like to retire.

 

And immigrants are not eligible for medicare or social security when they first arrive.

They will be considered as a Lawful Permanent Resident so they will be eligible for Medicare according to the site anyways. Will definitely have to shop around

17 minutes ago, milimelo said:

The sponsor should’ve lined something up for them before petitioning them. Health care in the US being expensive is a known fact. Are they going to be working? Find a position which offers health care coverage and other benefits. 

They will be working. However, I was informed that they won't be able to sign up for health insurance until they step foot in the US and with their Social Security card for registration.  I'm not sure how accurate this statement is though. I understand the sponsor will have a responsibility to take care of them. However, when it comes to health insurance benefits, if the LPRs can benefit from it affordable insurance, then why not.

$700-1200 even though they don't have income? That doesn't sound right. Afterall, it's supposed to be the "affordable" Healthcare.

Gotcha, thanks. It is confusing.

That's a shame indeed, but it is what it is. I thought medicaid was only for 65 and older including the disabled.

12 minutes ago, Boiler said:

That is a shame, I assume ACA would be the best bet.

What is a shame and why? Thanks, I'll look into ACA. 

18 minutes ago, Boiler said:

Which State?

Arizona

Hello All,

I hope this is the right place to post this topic. So my In-Law parents are coming over to the US as a LPR. The most important thing for them would be health insurance. I understand that they will have $0 income coming into the US because obviously they've just arrived and don't have a job yet. Does anyone know if they'll qualify for affordable insurances such as Healthcare.gov? 

Hello Everyone.  New to the forums here.  For my I-751 status, I haven't received any kinds of update as of yet.  Is this normal?

I-751