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Medical insurance

Old Mar 10th 2014, 8:01 pm
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Default Medical insurance

Hello,

I'm planning to move to MD in 2016. I have several medical conditions, inc. asthma and I will need to get medical insurance. Do a lot of people get it included with their job?
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Old Mar 10th 2014, 8:05 pm
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Default Re: Medical insurance

Originally Posted by alilvshk View Post
Hello,

I'm planning to move to MD in 2016. I have several medical conditions, inc. asthma and I will need to get medical insurance. Do a lot of people get it included with their job?
Yes.

Rene
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Old Mar 10th 2014, 8:09 pm
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Default Re: Medical insurance

Originally Posted by alilvshk View Post
Hello,

I'm planning to move to MD in 2016. I have several medical conditions, inc. asthma and I will need to get medical insurance. Do a lot of people get it included with their job?
It is usual for all but the smallest employers (50 or fewer employees) to arrange health insurance. The cost to the employees is highly variable, but is not health dependent for the employees i.e. you do not pay more if you have preexisting conditions.

Last edited by Pulaski; Mar 10th 2014 at 8:21 pm.
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Old Mar 10th 2014, 8:39 pm
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Default Re: Medical insurance

Think of it like Company Cars in the UK, they did but most got out of the business, likely something similar will happen in the US.
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Old Mar 10th 2014, 8:43 pm
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Default Re: Medical insurance

Originally Posted by alilvshk View Post
...and I will need to get medical insurance. Do a lot of people get it included with their job?
Yes (especially now with the ACA) and yes.

Rates will generally be better under a employer based one, but at least you can't be excluded on a private policy.

Plenty of threads on ACA and medical insurance for you to get an idea on things.
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Old Mar 10th 2014, 9:40 pm
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Default Re: Medical insurance

Ok thanks guys.
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Old Mar 10th 2014, 11:27 pm
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Default Re: Medical insurance

We have a primer on health insurance which might be helpful.

http://britishexpats.com/wiki/Health_Insurance
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Old Mar 11th 2014, 1:46 am
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Default Re: Medical insurance

Originally Posted by alilvshk View Post
Hello,

I'm planning to move to MD in 2016. I have several medical conditions, inc. asthma and I will need to get medical insurance. Do a lot of people get it included with their job?
While the majority of decent companies do include health insurance as part of their package there are small companies/ mom and pop places/ companies who only offer part time work, which do not.

With the new Affordable Care Act some companies have reduced their benefits package, and new employees are taking our their own individual policies.

Are you intending to move to the US by being transferred with your current company? If so then having health insurance should be part of your contract.

If you are moving by any other means then you may or may not have company health insurance according to what work you obtain.

Either way,whether a company insurance plan subsidized by the company or an individual plan for which you pay totally yourself , budget for paying for premiums and other costs such as deductibles, co-pays etc.
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Old Mar 11th 2014, 7:41 pm
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Default Re: Medical insurance

Also keep in mind that even if your employer offers health insurance, it often takes 3-6 months of working there before you become eligible.
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Old Mar 11th 2014, 8:05 pm
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Default Re: Medical insurance

I think you will see more and more employers move to private exchanges. You get part of your salary to buy cover but that will be it.

Like 401 K.
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Old Mar 12th 2014, 1:44 am
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Default Re: Medical insurance

No one has yet demanded that the OP tell them what visa s/he is coming in on. I'm not sure I've ever seen this happen...
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