Pulaski

The reason travel insurance is relatively cheap is that it covers emergency treatment but there is an expectation that the insured person will be patched up and sent home for any no-going or follow-up treatment. So if you break a bone you would be able to claim on travel insurance for the initial setting of the bone, and perhaps a check up a day or two later, but if you are fit to travel you are unlikely to be able to claim for later follow-ups, any restorative surgery if that became necessary, or physio.

scrubbedexpat099

Lots of people have to file returns who do not have to buy OCare.

She is visiting, she has a visitor visa and an abode outside the US, sounds like the initial trips at least will be months rather than years.

SanDiegogirl

Will she still be regarded as a visitor if and when she decides to live in the US on her B2 cohabiting visa? (Yes, I know it gets renewed periodically).

Will she qualify for a policy under Obamacare or any other type of private individual scheme as a visitor?

scrubbedexpat099

I am pretty certain not OCare, individual insurers probably.

platypus81

this is the detailed structure of the plan:

http://www.visitorscoverage.com/policydoc/atlas-america-insurance-policy-document.pdf

it looks like it is ACA. What do you think? It doesnt look too bad as far as I see

scrubbedexpat099

It is a form of Travel Insurance sold in the US with many more limitations than you would see in a UK based policy.

platypus81

such as, for example...?

kodokan

Um... the first two sentences flat out say it's not.

Without reading it all, I imagine it falls down entirely on including provision for preventative care like vaccinations and birth control.

scrubbedexpat099

Some fairly serious inner limits.

Pre existing conditions

To start

Pulaski

And an annual check-up/ medical, and various periodic screenings, all required at no additional charge by the ACA.

Nutmegger

Isn't the ACA irrelevant to someone on a B2? Seems some kind of long-term visitors insurance would be the only option under the circumstances.

kodokan

The OP was talking about moving his girlfriend over for 3 years. Regardless of her visa class, won't that at some point make her a US tax resident, and therefore swept up into ACA compliance?

Nutmegger

She obviously can't work -- so the answer is, beats me!

Pulaski

I agree, which is what I said in post #14 above.

retzie

People tried: "I'm aware marriage and H-4 would be the easiest solution for both but we don't want to do it at the moment."

Each to his own...

OP: This is super-duper serious. If your GF has any pre-existing medical conditions, she will NOT get coverage for them (or indeed, could be refused coverage altogether). All the progress that has been made with Obamacare will NOT apply, so she will be living in the wild west, where all the old horror stories apply

Seriously, if she even has asthma, I wouldn't do this.