Health/Medical Insurance
#1
Health/Medical Insurance
Hi Everyone,
We moved here in November, and originally took out a 6 month extended travel policy to cover us, which is now due to expire.
We need to get Health/Medical insurance, but are unsure wether to get An American policy or a ex pats policy. Is there any difference??
Can anyone recommend either type or offer advice.
Any help would be greatly appreciated
We moved here in November, and originally took out a 6 month extended travel policy to cover us, which is now due to expire.
We need to get Health/Medical insurance, but are unsure wether to get An American policy or a ex pats policy. Is there any difference??
Can anyone recommend either type or offer advice.
Any help would be greatly appreciated
#3
Re: Health/Medical Insurance
Hi right back at ya,
Sorry should have given you more info.
We are E2 visa holders and as such had to buy a business to get here. Hence why we now have our own flower shop.
Sorry should have given you more info.
We are E2 visa holders and as such had to buy a business to get here. Hence why we now have our own flower shop.
#5
Re: Health/Medical Insurance
Hi Everyone,
We moved here in November, and originally took out a 6 month extended travel policy to cover us, which is now due to expire.
We need to get Health/Medical insurance, but are unsure wether to get An American policy or a ex pats policy. Is there any difference??
Can anyone recommend either type or offer advice.
Any help would be greatly appreciated
We moved here in November, and originally took out a 6 month extended travel policy to cover us, which is now due to expire.
We need to get Health/Medical insurance, but are unsure wether to get An American policy or a ex pats policy. Is there any difference??
Can anyone recommend either type or offer advice.
Any help would be greatly appreciated
Some companies may not take you on until you have been here
sometime ....
As your in Fl . try www.thefloridaforums.com ...for local advice ..
#6
Re: Health/Medical Insurance
Hi Ray,
Why would it be invalidated?
We came out here on a 6 month flight ticket with a valid return flight, and so the cover is valid as i see it.
If we choose to stay after that, then thats our choice, and hence why we now need cover.
Why would it be invalidated?
We came out here on a 6 month flight ticket with a valid return flight, and so the cover is valid as i see it.
If we choose to stay after that, then thats our choice, and hence why we now need cover.
#7
Re: Health/Medical Insurance
You should know Insurance companies main business is getting out of paying
especially US bills .....
#8
Re: Health/Medical Insurance
Anyway, try Blue Cross Blue Sheild if they are in your area. Especially if you had BUPA in the UK - they worked together when I moved here 11 years ago. Not sure if it's still the case but it made it so easy.
I'd just shop around. Contact your local small business bureau / group where you are. They would have dealt with this before and may know companies who've got special deals. you could go the "company" route or "self employed". Also try you local "british" club if you have one, like the BABG here in Atlanta.
Let us know when you find. I'm running a small 35 man company right now and we have to shop around every single year as the premiums change as frequently as that !!
#9
BE Forum Addict
Joined: May 2005
Location: USA
Posts: 1,865
Re: Health/Medical Insurance
Hi Everyone,
We moved here in November, and originally took out a 6 month extended travel policy to cover us, which is now due to expire.
We need to get Health/Medical insurance, but are unsure wether to get An American policy or a ex pats policy. Is there any difference??
Can anyone recommend either type or offer advice.
Any help would be greatly appreciated
We moved here in November, and originally took out a 6 month extended travel policy to cover us, which is now due to expire.
We need to get Health/Medical insurance, but are unsure wether to get An American policy or a ex pats policy. Is there any difference??
Can anyone recommend either type or offer advice.
Any help would be greatly appreciated
As well as suggestions already given in this thread, please check past threads in this forum for similar threads. Suggestions have been given there too.
#10
BE Enthusiast
Joined: Nov 2006
Location: Oregon
Posts: 612
Re: Health/Medical Insurance
Hi Everyone,
We moved here in November, and originally took out a 6 month extended travel policy to cover us, which is now due to expire.
We need to get Health/Medical insurance, but are unsure wether to get An American policy or a ex pats policy. Is there any difference??
Can anyone recommend either type or offer advice.
Any help would be greatly appreciated
We moved here in November, and originally took out a 6 month extended travel policy to cover us, which is now due to expire.
We need to get Health/Medical insurance, but are unsure wether to get An American policy or a ex pats policy. Is there any difference??
Can anyone recommend either type or offer advice.
Any help would be greatly appreciated
Also if you have a big health issue the expat policies work more like travel insurance - they just want to medivac you back home and let the NHS take care of you.
My hubby and I have individual policies with the RegenceBlueCrossBlueShield for our state.
#11
Re: Health/Medical Insurance
Your business (which, I know, is your own) can probably get medical insurance for its employees (i.e. you). You should contact some insurance agents and say "we have a small business and we want to offer insurance to our employees--what can you do for us?"
I mention this because your business can deduct the cost of insurance as an expense, whereas you paying out of pocket would not be able to (I believe). That would lower the cost right off the bat (i.e. would you rather the company pay and you have $500 less income, or $500 income, that is taxed at 33%, and then buy insurance with the remainder?).
Second, because it is a business trying to get insurance, and not some 'tom dick or harry' you might get a better rate (as they figure you are offering it to multiple people).
Are you currently using a payroll processor for your business, like paychex or ADP (which is probably the best $50 a month you'll ever spend). Those services also have insurance plans available at pretty competitive rates for small businesses.
I should also note a lot of those travel policies really leave a lot to be desired. Some even say "if cancer, you fly home" (well, not in so many words but basically).
If you are here for the long haul, better get some good insurance.
I mention this because your business can deduct the cost of insurance as an expense, whereas you paying out of pocket would not be able to (I believe). That would lower the cost right off the bat (i.e. would you rather the company pay and you have $500 less income, or $500 income, that is taxed at 33%, and then buy insurance with the remainder?).
Second, because it is a business trying to get insurance, and not some 'tom dick or harry' you might get a better rate (as they figure you are offering it to multiple people).
Are you currently using a payroll processor for your business, like paychex or ADP (which is probably the best $50 a month you'll ever spend). Those services also have insurance plans available at pretty competitive rates for small businesses.
I should also note a lot of those travel policies really leave a lot to be desired. Some even say "if cancer, you fly home" (well, not in so many words but basically).
If you are here for the long haul, better get some good insurance.
#12
Account Closed
Joined: Mar 2004
Posts: 2
Re: Health/Medical Insurance
All the ones I have seen clearly state that you need to be UK Resident.
#13
Re: Health/Medical Insurance
search the big one's -
http://www.cigna.com/
http://www.aetna.com/docfind/index.html
http://www.bcbs.com/
http://www.cigna.com/
http://www.aetna.com/docfind/index.html
http://www.bcbs.com/