noto77

Hi i am moving to chicago in july on a k1 to get married after getting married i need to get some medical insurance does it cost more for me has i have moved from england or would it be the same price a us citizen pays also do i need anything from my doctor in england before i move ?

thanks

Tootsie Frickensprinkles

Are you sure you will not be on your new husbands insurance? Does he not have insurance? I really wouldnt know if being from the UK would up your premiums or not but the cost of personal insurance (ie not a group plan through employment) is pretty horrific.

What's been the plan for your coverage?

You can request a copy of your medical record from your GP.

Noorah101

Does your future spouse not have health insurance already?

Rene

noto77

yeah she does but it would cost $600 month with me on do you think i could get it cheaper on my own

penguinsix

Not really.

Well, yes, you could get it cheaper, but what is he paying now? $400? So it's only an additional ??? what to add you?

kins

If it's a good policy then that sounds reasonable for a couple.

My husband gets 90% of his policy dues paid by his company, but has to pay 100% for the rest of us. We pay nearly $1000 a month for a family of five. My premium is the highest ($5000 a year) probably because I am a woman in my thirties therefore at risk of pregnancy?

It's a good policy so we pay - I haven't seen any better deals.

Tootsie Frickensprinkles

Ooops, missed your little sign, sorry.

Whether it's cheaper or not would depend to some extent on what your medical history is like? Never a day at the docs and you might be alright anyone that remotely sniffs of payouts and you will end up with high premiums, pre existing exemptions and all that malarky going it alone, no?

hobbes79

Are you certain it's as much as that? To get my wife on mine also looked very expensive, until I realized it assumed my wife had a job and was refusing to take the insurance from her job. Once I updated the system to show she was unemployed, and therefore didn't have an alternative, the premiums dropped dramatically.

You may still be SOL, but worth checking.

Even at $600/month, I would still go with that to be honest... it's just so much easier to go through an employer.

Mallory

Google Blue Cross of Illinois - they will give you a quote online. I think you could get a plan cheaper than that if you a healthy young male. Rates for males are usually cheaper than for females. When you get a job, you can get your own policy, so it wouldn't be for that long would it?

If you have a preexisting condition, then it would be best take the plan you were offered.

Tracym

If you can be added to your wife's group medical policy, it is very much to your advantage to do so.

If you get individual medical insurance, perhaps it's cheaper. But you then will not be covered under HIPAA legislation. Basically, that legislation gives you some advantages.

For example, if you got an illness, and ended up not keeping that individual policy, the NEXT insurer would not cover your pre-existing illness. If you were on your wife's policy, and then she switched to a job with different insurance, or you got group insurance through a future job, they WOULD have to cover everything.

I would strongly suggest doing it, at least for the short term, if you are able to do so.

Probably a fair price for a decent policy in any case.

Bob

It's going to depend on what the cover is, sure you can get cheaper, but you get what you pay for....look at the deductibles, co-pays, and all the other small print to see if it's worth it to you.

Also being johnny foreigner ain't going to make a difference, what will is your age, if you smoke, previous health conditions etc.

Noorah101

My alien husband is covered under my health care insurance at work. I pay around $378 a month for the two of us, including health and dental. Smokin' deal, evidently.

Rene

Tracym

Actually, that's not quite true.

Being a "foreigner" without a green card disqualifies one from many many insurance policies - very few individual policies will touch a K-1.

Group policy is a better deal in many ways.

Bob

yup, we're now paying $400 a month on the missus' insurance, which ain't bad, not quite as good as my old insurance, but it beats paying the $1100 a month that cobra want.

Noorah101

Cobra sucks immensely! Been there once, thankfully I was pretty young and went without insurance until I got the next job. I wouldn't do that these days at my *cough cough* age. lol

Rene