Hi everyone,
As a new immigrant to California, especially from Europe with standardized "free" healthcare, the US system is very daunting to me.
Is it reasonable to compare it to private health-insurance here in the UK where I can claim some treatments (like dentist / optician) back via receipt?
I was wondering if there are any guides out there that explain how it works in detail and what to take into account?
So far from what I've researched, I have a few questions.
I've seen "Covered California" as an option in California.
Am I eligible for it? I read something about "Public Charge" not being allowed to take any benefits, but I'm coming on an IR1 Visa so not sure if it applies?
For the calculator - what counts as "Household size"? We will be living with my wife's parents - do we include them / their income?
Is it a generally good health care plan before I find a job?
Can I switch off it once I find a job or is there some cooling-off period?
I've seen something about enrollment being open now - does that mean I need to join right now?
We're arriving in the US in second week of January, so should I wait until then or join now for coverage start 1 of January? Can I join if I'm not physically in the US yet?
My wife / sponsor is moving back at the same time as me and her job allowed her to transfer over to the US branch. As such, she will get a healthcare packet.
Does it make sense for her to enroll both of us as a family plan, or is it better for her to do single healthcare and I go with "Covered California"?
Her job's branch is in NY, so her healthcare is NY centric - meaning that it mostly covers NY service providers. Is this relevant / important? It's "UnitedHealthcare", however, they also offer "Kaiser Permanente" for CA residents.
Is this plan sensible for someone in California or will we have issues finding covered treatments? I've heard Kaiser is not great.
As she will be moving it counts as "life change" and she can enroll me onto the plan - however will there be an issue in me leaving the plan if for example I'll find a job and get a better plan? Would we have to wait to the next "enrollment period"?
I know it's quite a few questions, we still have a few weeks to decide. Thank you in advance