Insurance
#1
Forum Regular
Thread Starter
Joined: Jun 2012
Posts: 152
Insurance
http://producer.imglobal.com/produce...ocumentid=2036
GlobalFusionSM Silver sub-plan
£ 138.00 - Excess
£ 66.30 - Monthly
£ 663.00 - Year
GlobalFusionSM Gold sub-plan
£ 138.00 - Excess
£ 88.70 - Monthly
£ 887.00 - Yearly
GlobalFusionSM Gold Plus sub-plan
£ 138.00 - Excess
£ 126.80 - Monthly
£ 1,268.00 - Yearly
GlobalFusionSM Platinum sub-plan
£ 138.00 - Excess
£ 535.30 - Monthly
£ 5,353.00 - Yearly
Hi guys!
I was wondering if you could give me a little advice. Above is a link to everything included in each type of insurance and then the costs quoted for my OH and myself per year.
Just wondering if they are any good or if I should run a mile! The company is putting a little pressure on me so I figured my lack of knowledge is making me miss vitals...
FYI the platinum is a NO!!!! HUGE cost so we will be looking to get dental once we are back in NY
Cx
GlobalFusionSM Silver sub-plan
£ 138.00 - Excess
£ 66.30 - Monthly
£ 663.00 - Year
GlobalFusionSM Gold sub-plan
£ 138.00 - Excess
£ 88.70 - Monthly
£ 887.00 - Yearly
GlobalFusionSM Gold Plus sub-plan
£ 138.00 - Excess
£ 126.80 - Monthly
£ 1,268.00 - Yearly
GlobalFusionSM Platinum sub-plan
£ 138.00 - Excess
£ 535.30 - Monthly
£ 5,353.00 - Yearly
Hi guys!
I was wondering if you could give me a little advice. Above is a link to everything included in each type of insurance and then the costs quoted for my OH and myself per year.
Just wondering if they are any good or if I should run a mile! The company is putting a little pressure on me so I figured my lack of knowledge is making me miss vitals...
FYI the platinum is a NO!!!! HUGE cost so we will be looking to get dental once we are back in NY
Cx
#2
Re: Insurance
There is not enough info here, or even a question, to elicit a valid answer, without the reader doing some research for you.
#3
Forum Regular
Thread Starter
Joined: Jun 2012
Posts: 152
Re: Insurance
A) Thats a good price
and
B) If from the link it kind of looks like everything major is covered. Nothing too detailed. Dont want anyone to do research I have already done myself but having never lived in America requiring my own insurance etc I'm not 100% sure
Cx
#5
Re: Insurance
What is this for, you have to be outside the USA for 180 days in any insurance period, and at the time of initial purchase and renewal.
#6
Forum Regular
Thread Starter
Joined: Jun 2012
Posts: 152
Re: Insurance
I would just ignore them if it wasnt important to have insurance? Thanks for the unnecessary comment though haha
Cx
#7
Re: Insurance
This is for living in the USA. Its an expat insurance. Sorry I am very tired at this point in my day one of the pitfalls of working on both UK and US time! I should have said that.
I would just ignore them if it wasnt important to have insurance? Thanks for the unnecessary comment though haha
Cx
I would just ignore them if it wasnt important to have insurance? Thanks for the unnecessary comment though haha
Cx
#9
Re: Insurance
However, if you're coming to live here, the insurance is undoubtedly invalid after 6 months.
#10
Account Closed
Joined: Aug 2002
Location: Kentucky
Posts: 38,865
Re: Insurance
I would just ignore them if it wasnt important to have insurance?
Ian
#11
Re: Insurance
The one thing you need to find out is a) do they have negotiated rates with healthcare providers and b) will they pay them directly. If the answer to both is no you would likely have to pay the full cost of any service and then file a claim to be reimbursed, which may take a while or be denied. And as said, the platinum plan costs about 40-50% less than a decent couples plan via an employer. The employee may not pay the full price though.
#12
BE Forum Addict
Joined: Feb 2010
Location: Temecula, CA
Posts: 4,759
Re: Insurance
If I understand from your previous posts, you're moving to the US on an E2 visa, correct? Other who have read the proposal say that policy you've found is invalid as you'll be there all year. In general terms, a foreign policy (to the US) isn't going to work long term. It also has numerous limitations.
So you might not have employer-provided insurance because of the E2, correct? However, maybe in New York (which I understand might be where work is based) might have a "group of one" type of group policy - somebody here will be able to confirm or deny that. Or maybe you'll have employees in which case you may be able to get a group policy which is much less painful and more secure than an individual/family/immigrant policy.
On the latter note, an immigrant policy should only really be used as a last resort stop-gap for more permanent cover. That policy you quoted seems to be such an immigant policy. You do not want to be uninsured when your feet hit US soil, but it may not be possible to get full insurance until those feet are on US soil, hence the temporary cover, yet you don't want to be on temporary cover for long...
So you might not have employer-provided insurance because of the E2, correct? However, maybe in New York (which I understand might be where work is based) might have a "group of one" type of group policy - somebody here will be able to confirm or deny that. Or maybe you'll have employees in which case you may be able to get a group policy which is much less painful and more secure than an individual/family/immigrant policy.
On the latter note, an immigrant policy should only really be used as a last resort stop-gap for more permanent cover. That policy you quoted seems to be such an immigant policy. You do not want to be uninsured when your feet hit US soil, but it may not be possible to get full insurance until those feet are on US soil, hence the temporary cover, yet you don't want to be on temporary cover for long...
#13
Forum Regular
Thread Starter
Joined: Jun 2012
Posts: 152
Re: Insurance
I wasnt pressured...hence it ringing alarm bells in my mind. If I had been some stupid easily influenced individual then I would have already taken the insurance rather than coming here to ask.
Yeah its pretty much just supposed to be for the first year so that I dont have to worry about it when I arrive/settle in/sort everything out and get my feet.
Thanks
Cx
If I understand from your previous posts, you're moving to the US on an E2 visa, correct? Other who have read the proposal say that policy you've found is invalid as you'll be there all year. In general terms, a foreign policy (to the US) isn't going to work long term. It also has numerous limitations.
Correct I am coming out on an E2 initially. This doccument was just to show me what was included. This is the visitor version of the expat insurance I am going for the other link just wasnt working so they sent me this one. Thats why I only asked about what was included rather than the content of the rest of it. I should have made that clearer I guess.
So you might not have employer-provided insurance because of the E2, correct? However, maybe in New York (which I understand might be where work is based) might have a "group of one" type of group policy - somebody here will be able to confirm or deny that. Or maybe you'll have employees in which case you may be able to get a group policy which is much less painful and more secure than an individual/family/immigrant policy.
I will look into "Group of One" its a semi-start up so dont need a company insurance yet.
On the latter note, an immigrant policy should only really be used as a last resort stop-gap for more permanent cover. That policy you quoted seems to be such an immigant policy. You do not want to be uninsured when your feet hit US soil, but it may not be possible to get full insurance until those feet are on US soil, hence the temporary cover, yet you don't want to be on temporary cover for long...
Correct I am coming out on an E2 initially. This doccument was just to show me what was included. This is the visitor version of the expat insurance I am going for the other link just wasnt working so they sent me this one. Thats why I only asked about what was included rather than the content of the rest of it. I should have made that clearer I guess.
So you might not have employer-provided insurance because of the E2, correct? However, maybe in New York (which I understand might be where work is based) might have a "group of one" type of group policy - somebody here will be able to confirm or deny that. Or maybe you'll have employees in which case you may be able to get a group policy which is much less painful and more secure than an individual/family/immigrant policy.
I will look into "Group of One" its a semi-start up so dont need a company insurance yet.
On the latter note, an immigrant policy should only really be used as a last resort stop-gap for more permanent cover. That policy you quoted seems to be such an immigant policy. You do not want to be uninsured when your feet hit US soil, but it may not be possible to get full insurance until those feet are on US soil, hence the temporary cover, yet you don't want to be on temporary cover for long...
Thanks
Cx
#14
Re: Insurance
You want proper insurance though, because a lot of these temporary polices won't be considered creditable coverage when it comes time to getting proper cover, which means you'd have a break over 62 days of creditable cover and thus pre-existing stuff can come into play.
Sorting out a group policy, even for a small business is probably one of your highest priorities. Look at local chamber of commerce or local business associations and see if you can join them and get under their group policy for small business owners, would be your best bet for cover, especially as it can take a couple of months potentially for you to receive the cover.
Sorting out a group policy, even for a small business is probably one of your highest priorities. Look at local chamber of commerce or local business associations and see if you can join them and get under their group policy for small business owners, would be your best bet for cover, especially as it can take a couple of months potentially for you to receive the cover.