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Question about health insurance for parents

Question about health insurance for parents

Old Mar 24th 2007, 2:35 pm
  #1  
Sg
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Default Question about health insurance for parents

My parents just came to USA as permanent residents. What options do we have
for their health insurance? I understand Medicare is not an option. We are
looking into Medicaid options with state of Wisconsin but possibly they will
not be eligible for that either. What are other programs that can be used to
subsidize the high cost of health insurance?

Any responses will be appreciated.

Thanks
 
Old Mar 24th 2007, 3:05 pm
  #2  
Sg
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Default Question about health insurance for parents

My parents just came to USA as permanent residents. What options do we have
for their health insurance? I understand Medicare is not an option. We are
looking into Medicaid options with state of Wisconsin but possibly they will
not be eligible for that either. What are other programs that can be used to
subsidize the high cost of health insurance?

Any responses will be appreciated.

Thanks
 
Old Mar 24th 2007, 3:21 pm
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Default Re: Question about health insurance for parents

Originally Posted by Sg
My parents just came to USA as permanent residents. What options do we have
for their health insurance? I understand Medicare is not an option. We are
looking into Medicaid options with state of Wisconsin but possibly they will
not be eligible for that either. What are other programs that can be used to
subsidize the high cost of health insurance?

Any responses will be appreciated.

Thanks
The will not get medicaid I don't think. If they did, the state would probably try to recovevr the cost from their sponsor, as that is exactly what the sponsorship is designed to prevent - coming over here and immediately collecting government benefits.

It is quite different here - the government does not automatically subsidize insurance. They will probably just have to buy private insurance. If they have some pre-existing condition, and have terrible trouble getting insurance, or it is more expensive than the average person would pay, there perhaps might be a state-run program they are eligible for. I do not know what Wisconsin has.

Oh - just thinking, I do not know their ages. If they are over 65, they maybe be able to PURCHASE Medicare, even though they are not entitled to it for free.
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Old Mar 24th 2007, 3:40 pm
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Default Re: Question about health insurance for parents

Originally Posted by Tracym

Oh - just thinking, I do not know their ages. If they are over 65, they maybe be able to PURCHASE Medicare, even though they are not entitled to it for free.

To be able to purchase Medicare, they would have to be resident here as LPR for 5 years. So if they are over 65, that option is out.
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Old Mar 24th 2007, 3:45 pm
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Default Re: Question about health insurance for parents

Originally Posted by farmerwife
To be able to purchase Medicare, they would have to be resident here as LPR for 5 years. So if they are over 65, that option is out.
I see, thanks for that info.
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Old Mar 24th 2007, 3:50 pm
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Default Re: Question about health insurance for parents

Here is the Wisconsin insurance pool information - if there is a pre-existing condition or have problems getting regular insurance.

http://www.hirsp.org/about/outline_eligibility.shtml

But these state insurance pools are not necessarily less expensive; they often are more expensive.
If you are low income and hoping the state will pay a part/all of the premiums there is the I-864 Affadavit of Support that will have to be considered.
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Old Mar 24th 2007, 5:13 pm
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Default Re: Question about health insurance for parents

Originally Posted by Sg
My parents just came to USA as permanent residents. What options do we have
for their health insurance? I understand Medicare is not an option. We are
looking into Medicaid options with state of Wisconsin but possibly they will
not be eligible for that either. What are other programs that can be used to
subsidize the high cost of health insurance?
Any responses will be appreciated.
Thanks
Did you not check this before they came ????
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Old Mar 24th 2007, 5:43 pm
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Default Re: Question about health insurance for parents

Outside of any State schemes which vary considerably, I have no idea about WI, the two most common areas are:

Through their employment.

Through their family - you in this case.

You do not mention their age, I often wonder how people past retirement age can contemplate moving to the US, very wealthy excluded.
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Old Mar 24th 2007, 5:55 pm
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Default Re: Question about health insurance for parents

Originally Posted by farmerwife
Here is the Wisconsin insurance pool information - if there is a pre-existing condition or have problems getting regular insurance.

http://www.hirsp.org/about/outline_eligibility.shtml

But these state insurance pools are not necessarily less expensive; they often are more expensive.
If you are low income and hoping the state will pay a part/all of the premiums there is the I-864 Affadavit of Support that will have to be considered.
Looks like it is State, I believe the Affadavit is Federal. Need to read it to be certain.

Not that it really matters for WI, seems a very limited scheme, you would have to go some to be eligible.

PS Double posted, there is another thread running.
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Old Mar 24th 2007, 6:16 pm
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Default Re: Question about health insurance for parents

"SG" <[email protected]> wrote in
news:[email protected]:

> My parents just came to USA as permanent residents. What options do we
> have for their health insurance? I understand Medicare is not an
> option. We are looking into Medicaid options with state of Wisconsin
> but possibly they will not be eligible for that either. What are other
> programs that can be used to subsidize the high cost of health
> insurance?
>
> Any responses will be appreciated.
>
> Thanks
>
>

The sponsor of your parents will have to subsidize.
 
Old Mar 24th 2007, 7:03 pm
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Default Re: Question about health insurance for parents

Originally Posted by Fay
"SG" <[email protected]> wrote in
news:[email protected]:

> My parents just came to USA as permanent residents. What options do we
> have for their health insurance? I understand Medicare is not an
> option. We are looking into Medicaid options with state of Wisconsin
> but possibly they will not be eligible for that either. What are other
> programs that can be used to subsidize the high cost of health
> insurance?
>
> Any responses will be appreciated.
>
> Thanks
>
>

The sponsor of your parents will have to subsidize.
Rubbish. The immigrant parents are responsible for their own health care.

Sponsors only become responsible if the immigrants take recourse to public funds.
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Old Mar 25th 2007, 3:20 am
  #12  
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Default Re: Question about health insurance for parents

Originally Posted by Elvira
Rubbish. The immigrant parents are responsible for their own health care.

Sponsors only become responsible if the immigrants take recourse to public funds.
talking medicaid...so yeah, the geezer is right.
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Old Mar 25th 2007, 3:25 am
  #13  
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Default Re: Question about health insurance for parents

Originally Posted by Boiler

PS Double posted, there is another thread running.
merged them, way to confusing otherwise

Anyway, to the OP...boot them out till they find a job, even at walmart if you can't afford to pay for their medical coverage...there other option is to leave the US.
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Old Mar 25th 2007, 10:24 pm
  #14  
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Default Re: Question about health insurance for parents

Originally Posted by Bob
merged them, way to confusing otherwise

Anyway, to the OP...boot them out till they find a job, even at walmart if you can't afford to pay for their medical coverage...there other option is to leave the US.
If they have paid into NI can they get medicare through the Reciprocal SS agreement?
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Old Mar 25th 2007, 11:10 pm
  #15  
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Default Re: Question about health insurance for parents

On Mar 24, 8:53 am, "SG" <[email protected]> wrote:
> My parents just came to USA as permanent residents. What options do we have
> for their health insurance?

Phone round the various health insurance companies.

> I understand Medicare is not an option. We are
> looking into Medicaid options with state of Wisconsin but possibly they will
> not be eligible for that either. What are other programs that can be used to
> subsidize the high cost of health insurance?

Isn't it a little rude for non-USA citizens to come to the USA then
expect the people of the USA to pay for their health insurance?
 

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