Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

health insurance for 70-year-old immigrating to USA?

health insurance for 70-year-old immigrating to USA?

Old Dec 3rd 2021, 3:29 pm
  #16  
Lost in BE Cyberspace
 
Joined: May 2010
Location: San Diego, California
Posts: 8,577
SanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond repute
Default Re: health insurance for 70-year-old immigrating to USA?

Originally Posted by Winston_the_Great_Dane View Post
Try a company called world first - very good for seniors and people with significant pre-existing conditions. Used them for a visit of then 94 YO grandfather with multiple issues (heart bypass, pacemaker, prostate cancer).

Did the policy cover the pre-conditions?
SanDiegogirl is offline  
Old Dec 3rd 2021, 3:39 pm
  #17  
Account Closed
 
Joined: Mar 2004
Posts: 0
scrubbedexpat099 is an unknown quantity at this point
Default Re: health insurance for 70-year-old immigrating to USA?

World First are a Broker so what will be available will depend on what the Insurers they deal with are offering, and that changes. They could be excellent this year and not next year or vice versa.

They say they specialize in the difficult over 65 and people with medical issues, where things get really difficult is when you combine age/pre existing conditions/long trip, for very obvious reasons.

scrubbedexpat099 is offline  
Old Dec 3rd 2021, 4:23 pm
  #18  
Heading for Poppyland
 
robin1234's Avatar
 
Joined: Jul 2007
Location: North Norfolk and northern New York State
Posts: 12,791
robin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond repute
Default Re: health insurance for 70-year-old immigrating to USA?

Originally Posted by Boiler View Post
World First are a Broker so what will be available will depend on what the Insurers they deal with are offering, and that changes. They could be excellent this year and not next year or vice versa.

They say they specialize in the difficult over 65 and people with medical issues, where things get really difficult is when you combine age/pre existing conditions/long trip, for very obvious reasons.
That is why Medicare is a good choice - after five years as a resident.
robin1234 is offline  
Old Dec 3rd 2021, 5:06 pm
  #19  
Account Closed
 
Joined: Mar 2004
Posts: 0
scrubbedexpat099 is an unknown quantity at this point
Default Re: health insurance for 70-year-old immigrating to USA?

They are a UK based travel insurance broker
scrubbedexpat099 is offline  
Old Dec 3rd 2021, 6:13 pm
  #20  
Forum Regular
 
Joined: Dec 2013
Posts: 135
Winston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond repute
Default Re: health insurance for 70-year-old immigrating to USA?

Originally Posted by SanDiegogirl View Post
Did the policy cover the pre-conditions?
Yes. I also have a chronic condition which I used them for and it was also covered. Their questions on which they base the premium are pragmatic and insightful to the conditions declared.
Winston_the_Great_Dane is offline  
Old Dec 3rd 2021, 6:15 pm
  #21  
Forum Regular
 
Joined: Dec 2013
Posts: 135
Winston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond repute
Default Re: health insurance for 70-year-old immigrating to USA?

Originally Posted by Boiler View Post
World First are a Broker so what will be available will depend on what the Insurers they deal with are offering, and that changes. They could be excellent this year and not next year or vice versa.

They say they specialize in the difficult over 65 and people with medical issues, where things get really difficult is when you combine age/pre existing conditions/long trip, for very obvious reasons.
They managed to get a suitable policy for a 94 YO with multiple pre-existing conditions (covered). We've used them multiple times across multiple years and been good.
Winston_the_Great_Dane is offline  
Old Dec 3rd 2021, 6:58 pm
  #22  
tht
DE-UK-NZ-IE-US... the TYP
 
Joined: Mar 2010
Posts: 2,083
tht has a reputation beyond reputetht has a reputation beyond reputetht has a reputation beyond reputetht has a reputation beyond reputetht has a reputation beyond reputetht has a reputation beyond reputetht has a reputation beyond reputetht has a reputation beyond reputetht has a reputation beyond reputetht has a reputation beyond reputetht has a reputation beyond repute
Default Re: health insurance for 70-year-old immigrating to USA?

Originally Posted by Winston_the_Great_Dane View Post
They managed to get a suitable policy for a 94 YO with multiple pre-existing conditions (covered). We've used them multiple times across multiple years and been good.
Used them to buy a policy or used them to claim? That’s the only time you can really tell if insurnace is good…
tht is offline  
Old Dec 3rd 2021, 10:43 pm
  #23  
Forum Regular
 
Joined: Dec 2013
Posts: 135
Winston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond reputeWinston_the_Great_Dane has a reputation beyond repute
Default Re: health insurance for 70-year-old immigrating to USA?

Originally Posted by tht View Post
Used them to buy a policy or used them to claim? That’s the only time you can really tell if insurnace is good…
I didn't claim, so can't vouch for that side of it. However, it's one of the few brokers who actually have a good questionnaire to work out the extent of pre-existing conditions.

And at this point I'm bored of justifying World First. You pays your money and you makes your choice. YMMV
Winston_the_Great_Dane is offline  
Old Dec 4th 2021, 1:02 am
  #24  
Account Closed
 
Joined: Mar 2004
Posts: 0
scrubbedexpat099 is an unknown quantity at this point
Default Re: health insurance for 70-year-old immigrating to USA?

I see nothing wrong with World First, I would certainly try for them for Travel Insurance, especially where there may be issues.

I did look them up, they are an offshoot of a small Lloyd's Broker. Historically the big boys were not that interested in the lets say specialist risks, they obviously saw an opportunity. The way it normally works is that they have delegated underwriting authority, sales pitch to the Insurer is their specific skill set in putting together a book of business and rating it to produce a profit. Sounds like their forte is medical underwriting. Claims handling is outsourced.

As far as this situation is concerned:

For travellers aged 69 or below, we can cover up to 186 days per trip. However we can provide cover for people aged up to 100 for up to 31 days or more – depending on your specific age.
scrubbedexpat099 is offline  
Old Dec 5th 2021, 1:06 am
  #25  
MODERATOR
 
penguinsix's Avatar
 
Joined: Nov 2006
Location: Hong Kong, mostly.
Posts: 5,175
penguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond repute
Default Re: health insurance for 70-year-old immigrating to USA?

We were in this situation and it was a nightmare. Some serious coin and that was only if we could find a company that was interested in doing this. Travel insurance (when we looked at it) had some restrictions about you being on a tourist visa and not immigrating. That might have changed by now but not sure.

In the end, we were able to get, through our employer's insurance company, a "dependent parent" insurance plan added as a rider to our insurance plan. This is a very rare thing though, but some companies do offer it as a benefit to their employee health plans. You can try reaching out to your employer to see if this is something they might have built into their plan. Still going to cost a bunch, but cheaper than buying on your own direct from an exchange or something.
penguinsix is offline  
Old Dec 5th 2021, 7:21 am
  #26  
Forum Regular
Thread Starter
 
Joined: Jun 2009
Posts: 32
huacheetah is an unknown quantity at this point
Default Re: health insurance for 70-year-old immigrating to USA?

Thanks for all the info!

We'll look to see if my husband's employer will let him add her to his health insurance.

And I'll look into world first traveler's insurance. I think traveler's insurance may be the place to start because I'm not sure my MIL will even like it here. I think it's best we start with a long tourist stay to see if she likes the weather and culture, and us
huacheetah is offline  
Old Dec 5th 2021, 8:23 am
  #27  
Heading for Poppyland
 
robin1234's Avatar
 
Joined: Jul 2007
Location: North Norfolk and northern New York State
Posts: 12,791
robin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond reputerobin1234 has a reputation beyond repute
Default Re: health insurance for 70-year-old immigrating to USA?

Originally Posted by huacheetah View Post
Thanks for all the info!

We'll look to see if my husband's employer will let him add her to his health insurance.

And I'll look into world first traveler's insurance. I think traveler's insurance may be the place to start because I'm not sure my MIL will even like it here. I think it's best we start with a long tourist stay to see if she likes the weather and culture, and us
Sounds good! Just remember that if she decides to become a resident, she’ll be eligible for Medicare after five years. She’ll pay a monthly premium, but it’s good coverage.
robin1234 is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright © 2021 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.