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

Health Insurance For Newly Arrived Permanent Resident

Health Insurance For Newly Arrived Permanent Resident

Old Sep 3rd 2017, 7:48 pm
  #1  
Forum Regular
Thread Starter
 
Joined: Nov 2012
Posts: 46
Tawn26 is an unknown quantity at this point
Default Health Insurance For Newly Arrived Permanent Resident

Hello wise ones!

We are 2 weeks out from our big move to WA state. Myself (USC) and two daughters (dual USC/UKC) will look into Medicaid and try to access coverage through the marketplace (the website keeps locking me out so having a terrible time of it).

But as I understand my husband (UKC with IR1 visa) will not be eligible for Medicaid. What are his options for coverage until he gains insurance through whatever employment he finds once we land? I read the article at the BE homepage that suggest travel insurance as a temporary cover, but doesn't travel insurance require you to be a PR of departure country (aka UK) to be valid?

If not travel insurance, are there any other options other than him being without health insurance coverage until finding employment?

Thank you!
Tawn26 is offline  
Old Sep 3rd 2017, 8:17 pm
  #2  
Forum Regular
 
Havnfun's Avatar
 
Joined: Oct 2007
Location: Lake Forest, CA
Posts: 296
Havnfun has a reputation beyond reputeHavnfun has a reputation beyond reputeHavnfun has a reputation beyond reputeHavnfun has a reputation beyond reputeHavnfun has a reputation beyond reputeHavnfun has a reputation beyond reputeHavnfun has a reputation beyond reputeHavnfun has a reputation beyond reputeHavnfun has a reputation beyond reputeHavnfun has a reputation beyond reputeHavnfun has a reputation beyond repute
Default Re: Health Insurance For Newly Arrived Permanent Resident

Originally Posted by Tawn26 View Post
Hello wise ones!

We are 2 weeks out from our big move to WA state. Myself (USC) and two daughters (dual USC/UKC) will look into Medicaid and try to access coverage through the marketplace (the website keeps locking me out so having a terrible time of it).

But as I understand my husband (UKC with IR1 visa) will not be eligible for Medicaid. What are his options for coverage until he gains insurance through whatever employment he finds once we land? I read the article at the BE homepage that suggest travel insurance as a temporary cover, but doesn't travel insurance require you to be a PR of departure country (aka UK) to be valid?

If not travel insurance, are there any other options other than him being without health insurance coverage until finding employment?

Thank you!
We used Seven Corners to get insurance when we first arrived in the USA. It is not the best but better than not having anything. Here is the website where you can get a quote.

https://www.sevencorners.com/inbound-immigrant#/quote
Havnfun is offline  
Old Sep 3rd 2017, 11:46 pm
  #3  
Lost in BE Cyberspace
 
Joined: May 2010
Location: San Diego, California
Posts: 6,488
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 Newly Arrived Permanent Resident

As you are intending to apply for plans on the exchanges,I think you talking about getting healthcover via the Affordable Care Act (Obamacare) and not Medicaid which is for those folks who are very low or non waged and qualify for Federal or State aid.

Your husband CAN apply for plans under Obamacare too.

Apart from above if you Google short term insurance a number of sites come up.

Travel insurance won't cover day to day medical coverage for residents.
SanDiegogirl is offline  
Old Sep 5th 2017, 4:00 pm
  #4  
Forum Regular
 
Joined: Mar 2015
Posts: 40
Dominic0012 is an unknown quantity at this point
Default Re: Health Insurance For Newly Arrived Permanent Resident

you should qualify for Obamacare and you will qualify under the special enrollment period (becoming a new resident). This will then qualify you for coverage this year and you will have to apply for next years coverage under the marketplace in oct/nov.
Dominic0012 is offline  
Old Sep 5th 2017, 4:56 pm
  #5  
Forum Regular
Thread Starter
 
Joined: Nov 2012
Posts: 46
Tawn26 is an unknown quantity at this point
Default Re: Health Insurance For Newly Arrived Permanent Resident

Thank you for all your replies! I hate how ignorant I feel about healthcare in the states as I moved to the UK when I WAS 24 and still covered under my parents insurance!

I appreciate the insight!
Tawn26 is offline  
Old Sep 6th 2017, 12:21 am
  #6  
Grumpy Know-it-all
 
Steve_'s Avatar
 
Joined: Jul 2010
Location: Calgary, Alberta
Posts: 8,928
Steve_ has a reputation beyond reputeSteve_ has a reputation beyond reputeSteve_ has a reputation beyond reputeSteve_ has a reputation beyond reputeSteve_ has a reputation beyond reputeSteve_ has a reputation beyond reputeSteve_ has a reputation beyond reputeSteve_ has a reputation beyond reputeSteve_ has a reputation beyond reputeSteve_ has a reputation beyond reputeSteve_ has a reputation beyond repute
Default Re: Health Insurance For Newly Arrived Permanent Resident

I don't think anyone has made the obvious point - under Federal law you have to have insurance so if he hasn't got a job, then he has to buy an ACA plan. Doesn't necessarily have to be via healthcare.gov, but typically all the insurers in your area have plans listed on there so you figure out which one has plans that you like and then call them directly. You might actually be able to negotiate them down on price. (Also unless you're low income then you've got to have a plan too as Medicaid won't cover you.)

New immigrants and US citizens returning from abroad are eligible for a special enrollment period. The IRS can't charge a penalty for an incomplete tax year (I think) so although he has to do it, there's no penalty if he doesn't. Given that he's arriving mid year he's going to have to file a dual status tax return anyway (read IRS publication 519). And I hope you're up-to-date on your own returns as US citizens have to file even if they live abroad.

Another key point living in Washington - in choosing a plan, prescription drugs don't matter that much because you can simply drive up to Canada to buy anything expensive. So there's no point buying a plan with generous coverage for prescription drugs.

Last edited by Steve_; Sep 6th 2017 at 12:24 am.
Steve_ is offline  
Old Sep 6th 2017, 12:43 am
  #7  
BE Forum Addict
 
tom169's Avatar
 
Joined: Mar 2015
Location: NC, USA (ex Yorkshire)
Posts: 3,769
tom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond reputetom169 has a reputation beyond repute
Default Re: Health Insurance For Newly Arrived Permanent Resident

Originally Posted by Steve_ View Post
I don't think anyone has made the obvious point - under Federal law you have to have insurance so if he hasn't got a job, then he has to buy an ACA plan. Doesn't necessarily have to be via healthcare.gov, but typically all the insurers in your area have plans listed on there so you figure out which one has plans that you like and then call them directly. You might actually be able to negotiate them down on price. (Also unless you're low income then you've got to have a plan too as Medicaid won't cover you.)

New immigrants and US citizens returning from abroad are eligible for a special enrollment period. The IRS can't charge a penalty for an incomplete tax year (I think) so although he has to do it, there's no penalty if he doesn't. Given that he's arriving mid year he's going to have to file a dual status tax return anyway (read IRS publication 519). And I hope you're up-to-date on your own returns as US citizens have to file even if they live abroad.

Another key point living in Washington - in choosing a plan, prescription drugs don't matter that much because you can simply drive up to Canada to buy anything expensive. So there's no point buying a plan with generous coverage for prescription drugs.
He doesn't need to file a dual status return. He could opt to be treated as a resident for the entire year.

One can assume OP is up to date with tax returns as that's needed for the IR-1 visa.
tom169 is offline  
Old Sep 6th 2017, 3:44 am
  #8  
Lost in BE Cyberspace
 
Boiler's Avatar
 
Joined: Mar 2004
Location: Colorado
Posts: 30,520
Boiler has a reputation beyond reputeBoiler has a reputation beyond reputeBoiler has a reputation beyond reputeBoiler has a reputation beyond reputeBoiler has a reputation beyond reputeBoiler has a reputation beyond reputeBoiler has a reputation beyond reputeBoiler has a reputation beyond reputeBoiler has a reputation beyond reputeBoiler has a reputation beyond reputeBoiler has a reputation beyond repute
Default Re: Health Insurance For Newly Arrived Permanent Resident

Where I am there is only one Insurer.

Frustration mounts over premiums for Affordable Care Act individual health plans – The Denver Post

Interesting article on OCare, read and cry.

I assume that the OP will have no or little income and can get Medicaid initially, well nothing is immediate.

Do not know about WA, some States allow new immigrants to get Medicaid from Day1. Mine requires 5 years residency.
Boiler 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

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.