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frambuesas Feb 14th 2012 4:18 pm

Health insurance advice for UK expat
 
I moved on a K-1 visa and am currently waiting for my AOS paperwork to go through. I need to arrange medical insurance but have no idea where to start. I know that when I can work, my employer may provide a health insurance policy, but I would like some advice on private policies - best value for money etc. from people who have researched this or pay privately already. I am in Charlotte, NC, if this makes any difference. Thank you!

fatbrit Feb 14th 2012 4:22 pm

Re: Health insurance advice for UK expat
 

Originally Posted by frambuesas (Post 9901903)
I moved on a K-1 visa and am currently waiting for my AOS paperwork to go through. I need to arrange medical insurance but have no idea where to start. I know that when I can work, my employer may provide a health insurance policy, but I would like some advice on private policies - best value for money etc. from people who have researched this or pay privately already. I am in Charlotte, NC, if this makes any difference. Thank you!

If you're young and healthy, just look for a catastrophic-type policy with very high deductibles to avoid bankruptcy if you have a major problem. For female needs, pay in cash at a Planned Parenthood.

If not healthy or middle-aged plus, pray the GOP don't get a majority and hold on in there.

SanDiegogirl Feb 14th 2012 4:29 pm

Re: Health insurance advice for UK expat
 

Originally Posted by frambuesas (Post 9901903)
I moved on a K-1 visa and am currently waiting for my AOS paperwork to go through. I need to arrange medical insurance but have no idea where to start. I know that when I can work, my employer may provide a health insurance policy, but I would like some advice on private policies - best value for money etc. from people who have researched this or pay privately already. I am in Charlotte, NC, if this makes any difference. Thank you!

Go to einsurance.com to find out about plans in your area and ball park costs.

Hopefully when you start working your employer WILL provide health insurance as getting a private health insurance plan (IF you are able to get one) is usually very expensive.

If you are pretty confident about getting work then look at the short term policies.

Google and you will also find insurance agents in your area who will help.

Noorah101 Feb 14th 2012 4:49 pm

Re: Health insurance advice for UK expat
 

Originally Posted by frambuesas (Post 9901903)
I moved on a K-1 visa and am currently waiting for my AOS paperwork to go through. I need to arrange medical insurance but have no idea where to start. I know that when I can work, my employer may provide a health insurance policy, but I would like some advice on private policies - best value for money etc. from people who have researched this or pay privately already. I am in Charlotte, NC, if this makes any difference. Thank you!

I assume your USC spouse is not on an insurance plan that you can be added to?

Rene

frambuesas Feb 14th 2012 4:49 pm

Re: Health insurance advice for UK expat
 

Originally Posted by fatbrit (Post 9901908)
If you're young and healthy, just look for a catastrophic-type policy with very high deductibles to avoid bankruptcy if you have a major problem. For female needs, pay in cash at a Planned Parenthood.

If not healthy or middle-aged plus, pray the GOP don't get a majority and hold on in there.

I am healthy and 29 which, as my husband tells me is "childbearing age", might incur more costs. We're not looking to have a family for another few years, so I shall follow your advice. Thanks!

frambuesas Feb 14th 2012 4:50 pm

Re: Health insurance advice for UK expat
 

Originally Posted by Noorah101 (Post 9901958)
I assume your USC spouse does is not on an insurance plan that you can be added to?

Rene

He does but it's with his university, and he finishes his MA this semester. I would pay $800 from now to be covered up until May. Ouch.

frambuesas Feb 14th 2012 4:51 pm

Re: Health insurance advice for UK expat
 

Originally Posted by SanDiegogirl (Post 9901914)
Go to einsurance.com to find out about plans in your area and ball park costs.

Hopefully when you start working your employer WILL provide health insurance as getting a private health insurance plan (IF you are able to get one) is usually very expensive.

If you are pretty confident about getting work then look at the short term policies.

Google and you will also find insurance agents in your area who will help.

Okay, I will check there. Thank you!

SanDiegogirl Feb 14th 2012 5:03 pm

Re: Health insurance advice for UK expat
 

Originally Posted by frambuesas (Post 9901959)
I am healthy and 29 which, as my husband tells me is "childbearing age", might incur more costs. We're not looking to have a family for another few years, so I shall follow your advice. Thanks!

I think you will find that, with individual policies, being 29 is not considered of 'child bearing age' since the majority of individual policies do not cover maternity/pregnancy costs; and so this has no affect on premiums.

frambuesas Feb 14th 2012 5:06 pm

Re: Health insurance advice for UK expat
 

Originally Posted by SanDiegogirl (Post 9901997)
I think you will find that, with individual policies, being 29 is not considered of 'child bearing age' since the majority of individual policies do not cover maternity/pregnancy costs; and so this has no affect on premiums.

That's interesting. Thank you!

lansbury Feb 14th 2012 5:06 pm

Re: Health insurance advice for UK expat
 

Originally Posted by frambuesas (Post 9901961)
I would pay $800 from now to be covered up until May. Ouch.

If you think that is bad you are in for a rude awakening I think. 800 bucks for 4 months I wish. :ohmy:

Noorah101 Feb 14th 2012 5:09 pm

Re: Health insurance advice for UK expat
 

Originally Posted by lansbury (Post 9902006)
If you think that is bad you are in for a rude awakening I think. 800 bucks for 4 months I wish. :ohmy:

I was thinking the same thing. From Feb to May would be 3 or 4 months (depending on dates). For 3 months, that comes to $266 a month. For 4 months, that comes to $200 a month. Those are good rates, IMO!

Rene

limeynus Feb 14th 2012 5:22 pm

Re: Health insurance advice for UK expat
 

Originally Posted by frambuesas (Post 9901961)
He does but it's with his university, and he finishes his MA this semester. I would pay $800 from now to be covered up until May. Ouch.

Is that per month? or total? If total, that's not too bad, depending on the type of insurance of course.

frambuesas Feb 14th 2012 5:39 pm

Re: Health insurance advice for UK expat
 

Originally Posted by limeynus (Post 9902032)
Is that per month? or total? If total, that's not too bad, depending on the type of insurance of course.

Total. I know I am totally naive about rates, that's why I asked! It's a basic policy, apparently, and you have to see university docs.

frambuesas Feb 14th 2012 5:40 pm

Re: Health insurance advice for UK expat
 

Originally Posted by lansbury (Post 9902006)
If you think that is bad you are in for a rude awakening I think. 800 bucks for 4 months I wish. :ohmy:

Yeah, I figured. Maybe I will just try not to get sick. ;)

penguinbar Feb 14th 2012 5:47 pm

Re: Health insurance advice for UK expat
 

Originally Posted by lansbury (Post 9902006)
If you think that is bad you are in for a rude awakening I think. 800 bucks for 4 months I wish. :ohmy:

Me too!!!


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