Health Insurance before we go
#1
Forum Regular
Thread Starter
Joined: Jul 2012
Posts: 86
Health Insurance before we go
Hi Again!
Has anyone gotten health insurance before they left for the US? I just wondered as we will not be covered until we get jobs is there anything that we can get which is temporary to tide us over until we have jobs where hopefully health insurance is offered? Is it worth getting travel insurance or will that be invalid as we no longer will be British residents?
Thanks!
Annie
Has anyone gotten health insurance before they left for the US? I just wondered as we will not be covered until we get jobs is there anything that we can get which is temporary to tide us over until we have jobs where hopefully health insurance is offered? Is it worth getting travel insurance or will that be invalid as we no longer will be British residents?
Thanks!
Annie
#2
Re: Health Insurance before we go
Hi Again!
Has anyone gotten health insurance before they left for the US? I just wondered as we will not be covered until we get jobs is there anything that we can get which is temporary to tide us over until we have jobs where hopefully health insurance is offered? Is it worth getting travel insurance or will that be invalid as we no longer will be British residents?
Thanks!
Annie
Has anyone gotten health insurance before they left for the US? I just wondered as we will not be covered until we get jobs is there anything that we can get which is temporary to tide us over until we have jobs where hopefully health insurance is offered? Is it worth getting travel insurance or will that be invalid as we no longer will be British residents?
Thanks!
Annie
Rene
#3
Re: Health Insurance before we go
I arranged health insurance before I moved over. It was effective from the day I arrived. You need to either contact health insurers, or brokers in the State you are moving to. Different States have different rules.
#5
Re: Health Insurance before we go
There a wiki here that might help with some recommendations.
You just want to make sure that the temp coverage is considered creditable coverage.
You just want to make sure that the temp coverage is considered creditable coverage.
#6
Re: Health Insurance before we go
We have a family travel insurance policy which covers the USA, wouldn't that cover us in case of emergency until health insurance was in place?
....how could the insurer prove you aren't on hols?
....how could the insurer prove you aren't on hols?
#7
Lost in BE Cyberspace
Joined: May 2010
Location: San Diego, California
Posts: 9,662
Re: Health Insurance before we go
Normally, if you have emergency treatment under travel insurance one claims back the costs when one returns to the home country (say UK). If you now live in the US, unless you use some other false address such as a relative's in the UK, your details would now show a US address.
You might get away with it for some minor emergency treatment, but nothing which would cover continuous treatment.
#8
Re: Health Insurance before we go
No. Since travel insurance implies that you will return to your home country, it dosent apply in countries in which you are resident.
#9
Re: Health Insurance before we go
I got Patriot America -it is great for new immigrants and im sure we took it out for me before I arrived- it only lasts tho for 2 years but whatever -it will tide you over -worth having a look into
#10
Re: Health Insurance before we go
Without valid healthcare insurance you could easily run up a bill of 5 figures for something relatively minor. IMO you do not want to be in the US without valid healthcare insurance.
Last edited by Jerseygirl; Jul 27th 2013 at 8:57 pm.
#11
Forum Regular
Joined: Dec 2011
Location: Greenwich, CT
Posts: 132
Re: Health Insurance before we go
We got a one way emigration policy from Go Walkabout. They were able to give us 28 days insurance (7 days to cover sailing across and then 3 weeks travel / critical health insurance.
We stocked up on prescription refills in the UK before leaving to give us a month or so to get started.
We stocked up on prescription refills in the UK before leaving to give us a month or so to get started.
#12
Re: Health Insurance before we go
We got a one way emigration policy from Go Walkabout. They were able to give us 28 days insurance (7 days to cover sailing across and then 3 weeks travel / critical health insurance.
We stocked up on prescription refills in the UK before leaving to give us a month or so to get started.
We stocked up on prescription refills in the UK before leaving to give us a month or so to get started.
#13
Forum Regular
Thread Starter
Joined: Jul 2012
Posts: 86
Re: Health Insurance before we go
I have looked into this and this is a good option if you are both UKC but it would cover me and not my husband who is a USC.
#14
Forum Regular
Joined: Dec 2011
Location: Greenwich, CT
Posts: 132
Re: Health Insurance before we go
#15
Re: Health Insurance before we go
You'd have to have a return ticket to prove you are on hols, and they would try to repatriate you to the UK as soon as possible to limit their costs.