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

Medical Insurance Questions

Medical Insurance Questions

Old Sep 14th 2009, 10:43 pm
  #1  
Just Joined
Thread Starter
 
Joined: Jul 2009
Posts: 5
Aldwick is an unknown quantity at this point
Default Medical Insurance Questions

My 85 year old mother is emigrating to the US in about 3 weeks. Given she must wait 5 years for Medicare and realising there are a number of insurance companies out there, can anyone recommend from experience, or hearsay, an insurer that is good to work with while offering good coverage/value? I just need some pointers.

I have read other posts here on the subject but they seem to be somewhat dated.

Many Thanks,
Geoff
Aldwick is offline  
Old Sep 14th 2009, 10:49 pm
  #2  
Septicity
 
fatbrit's Avatar
 
Joined: May 2004
Posts: 23,762
fatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond reputefatbrit has a reputation beyond repute
Default Re: Medical Insurance Questions

Originally Posted by Aldwick View Post
I have read other posts here on the subject but they seem to be somewhat dated.
You don't give the state you're living in. Your best (possibly only!) hope is a state-sponsored plan that pools the uninsurable together.
fatbrit is offline  
Old Sep 14th 2009, 11:08 pm
  #3  
The Duchess of Putney
 
Joined: Jan 2005
Location: HOME
Posts: 23,151
Elvira has a reputation beyond reputeElvira has a reputation beyond reputeElvira has a reputation beyond reputeElvira has a reputation beyond reputeElvira has a reputation beyond reputeElvira has a reputation beyond reputeElvira has a reputation beyond reputeElvira has a reputation beyond reputeElvira has a reputation beyond reputeElvira has a reputation beyond reputeElvira has a reputation beyond repute
Default Re: Medical Insurance Questions

Originally Posted by fatbrit View Post
You don't give the state you're living in. Your best (possibly only!) hope is a state-sponsored plan that pools the uninsurable together.
Even if this is available it'll cost a small fortune!

3 weeks doesn't exactly leave a lot of time to sort this out...
Elvira is offline  
Old Sep 14th 2009, 11:27 pm
  #4  
 
meauxna's Avatar
 
Joined: Apr 2002
Posts: 35,082
meauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond reputemeauxna has a reputation beyond repute
Default Re: Medical Insurance Questions

Originally Posted by Aldwick View Post
My 85 year old mother is emigrating to the US in about 3 weeks. Given she must wait 5 years for Medicare and realising there are a number of insurance companies out there, can anyone recommend from experience, or hearsay, an insurer that is good to work with while offering good coverage/value? I just need some pointers.

I have read other posts here on the subject but they seem to be somewhat dated.

Many Thanks,
Geoff
Search in the main USA lifestyle forum; that's where most of the insurance chat goes.
meauxna is offline  
Old Sep 15th 2009, 12:39 am
  #5  
Lost in BE Cyberspace
 
Duncan Roberts's Avatar
 
Joined: Oct 2003
Location: Avon Lake, OH
Posts: 5,267
Duncan Roberts has a reputation beyond reputeDuncan Roberts has a reputation beyond reputeDuncan Roberts has a reputation beyond reputeDuncan Roberts has a reputation beyond reputeDuncan Roberts has a reputation beyond reputeDuncan Roberts has a reputation beyond reputeDuncan Roberts has a reputation beyond reputeDuncan Roberts has a reputation beyond reputeDuncan Roberts has a reputation beyond reputeDuncan Roberts has a reputation beyond reputeDuncan Roberts has a reputation beyond repute
Default Re: Medical Insurance Questions

Originally Posted by Aldwick View Post
can anyone recommend from experience, or hearsay, an insurer that is good to work with while offering good coverage/value?
For an 85 year old that doesn't exist. You may be lucky and be able to get private insurance or you may have to put her in the state high risk pool if your state has one. Either way expect to pay a lot of money for anything useful. Don't be surprised if you start getting quotes that are $5,000 a month or more and be wary of anything less than $1000 a month. My guess is that you probably won't be able to sort this out in 3 weeks and you are probably looking at 3 months before you can get it sorted. I hope I'm wrong but you may have made an awfully costly mistake.
Duncan Roberts is offline  
Old Sep 15th 2009, 1:48 am
  #6  
Lost in BE Cyberspace
 
Boiler's Avatar
 
Joined: Mar 2004
Location: Colorado
Posts: 30,568
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: Medical Insurance Questions

There have been plenty of posts, but no solutions.

Two thoughts that comes to mind is that if you go to the Emergency Room at your local Hospital they can not refuse you treatment. And if you do not live in a State that has a plan, move to one. There are very few.
Boiler is online now  
Old Sep 15th 2009, 2:33 am
  #7  
Ray
 
Ray's Avatar
 
Joined: Mar 2003
Posts: 68,280
Ray has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond reputeRay has a reputation beyond repute
Default Re: Medical Insurance Questions

I just consider this ludicrous bringing an 85 year old here ..
i just hope you are very wealthy ....if you are the sponsor...
Ray is offline  
Old Sep 15th 2009, 2:43 am
  #8  
SUPER MODERATOR
 
Jerseygirl's Avatar
 
Joined: Dec 2005
Posts: 79,337
Jerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond repute
Default Re: Medical Insurance Questions

Originally Posted by Ray View Post
I just consider this ludicrous bringing an 85 year old here ..
i just hope you are very wealthy ....if you are the sponsor...
Yup...it's costing us $2K in health insurance to bring my 83 year old MIL over for a 20 day vacation.
Jerseygirl is offline  
Old Sep 15th 2009, 3:41 am
  #9  
Lost in BE Cyberspace
 
Boiler's Avatar
 
Joined: Mar 2004
Location: Colorado
Posts: 30,568
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: Medical Insurance Questions

I thought I had seen this, healthcare was mentioned in July.
Boiler is online now  
Old Sep 15th 2009, 3:58 am
  #10  
Bob
SUPER MODERATOR
 
Bob's Avatar
 
Joined: Aug 2004
Location: MA, USA
Posts: 91,487
Bob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond reputeBob has a reputation beyond repute
Default Re: Medical Insurance Questions

Bit late in the game to think about insurance now isn't it?

Possible job at walmart?

Definitely look for a start that has a pool or it'll not really happen....and this isn't a visa question.
Bob is offline  
Old Sep 15th 2009, 4:46 am
  #11  
MODERATOR
 
penguinsix's Avatar
 
Joined: Nov 2006
Location: Hong Kong, mostly.
Posts: 5,059
penguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond reputepenguinsix has a reputation beyond repute
Default Re: Medical Insurance Questions

High risk pool.

There really isn't any other way. $2,000 a month easy if you can even find some firm that will write a policy, but that's pretty doubtful. You might get some travel health insurance but those are fraught with exceptions and even they might not write a policy.

Some states--very few--do not follow the 5 year rule on their Medicare/Medicaid, such as California and New York, but that coverage is often limited to only a very few items.
penguinsix is offline  
Old Sep 15th 2009, 5:44 am
  #12  
Senior Member
 
penguinbar's Avatar
 
Joined: Apr 2008
Location: Manhattan
Posts: 2,913
penguinbar has a reputation beyond reputepenguinbar has a reputation beyond reputepenguinbar has a reputation beyond reputepenguinbar has a reputation beyond reputepenguinbar has a reputation beyond reputepenguinbar has a reputation beyond reputepenguinbar has a reputation beyond reputepenguinbar has a reputation beyond reputepenguinbar has a reputation beyond reputepenguinbar has a reputation beyond reputepenguinbar has a reputation beyond repute
Default Re: Medical Insurance Questions

Originally Posted by Bob View Post
Bit late in the game to think about insurance now isn't it?

Possible job at walmart?

Definitely look for a start that has a pool or it'll not really happen....and this isn't a visa question.
My friend is employed at Walmart to train their opticians and has insurance through them for her. her husband and her daughter and she still has to contribute almost $1000 a month!
penguinbar is offline  
Old Sep 15th 2009, 7:29 am
  #13  
Forum Regular
 
Joined: Sep 2009
Posts: 64
bohemianprincess is just really nicebohemianprincess is just really nicebohemianprincess is just really nicebohemianprincess is just really nicebohemianprincess is just really nicebohemianprincess is just really nicebohemianprincess is just really nicebohemianprincess is just really nicebohemianprincess is just really nice
Default Re: Medical Insurance Questions

Yes, healthcare is a racket in the states, and gets worse if you have a pre-existing condition. But I've a friend in Scotland, and the healthcare there is shameful too. Sad.
bohemianprincess is offline  
Old Sep 15th 2009, 9:32 am
  #14  
BE Forum Addict
 
SarahG's Avatar
 
Joined: Apr 2007
Location: Charleston, SC
Posts: 1,437
SarahG has a reputation beyond reputeSarahG has a reputation beyond reputeSarahG has a reputation beyond reputeSarahG has a reputation beyond reputeSarahG has a reputation beyond reputeSarahG has a reputation beyond reputeSarahG has a reputation beyond reputeSarahG has a reputation beyond reputeSarahG has a reputation beyond reputeSarahG has a reputation beyond reputeSarahG has a reputation beyond repute
Default Re: Medical Insurance Questions

Originally Posted by bohemianprincess View Post
Yes, healthcare is a racket in the states, and gets worse if you have a pre-existing condition. But I've a friend in Scotland, and the healthcare there is shameful too. Sad.
The healthcare in Scotland is bad? Was fine what I was being brought up there.
SarahG is offline  
Old Sep 15th 2009, 12:29 pm
  #15  
Concierge
 
Rete's Avatar
 
Joined: Apr 2001
Posts: 42,555
Rete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond repute
Default Re: Medical Insurance Questions

Originally Posted by Ray View Post
I just consider this ludicrous bringing an 85 year old here ..
i just hope you are very wealthy ....if you are the sponsor...

I have to agree with you, Ray. Anyone living in the US, whether it is a US Citizen, legal resident or illegal resident, knows that healthcare insurance is exorbitant and out of reach for most people, let alone an elder person. Why in heaven's name would you "import" elderly person to a country that doesn't have national healthcare?
Rete is offline  

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.