Need healthcare coverage to get insulin
May 9th 2019, 10:13 pm
#16
Deep in the woods of CT
Joined: Feb 2010
Posts: 7,002
Re: Need healthcare coverage to get insulin
Looking back the only thing I see mentioned is Deaf, anyway seem Medicare is not due to 65 plus.
So OP would be looking to presumably go the CR1 route, which means work authorised on arrival, marrying 2020, arrival 2021 or 2022. So a lot can happen in that sort of time.
So assuming it is still around the ACA aka Obamacare of getting a job with good benefits.
So OP would be looking to presumably go the CR1 route, which means work authorised on arrival, marrying 2020, arrival 2021 or 2022. So a lot can happen in that sort of time.
So assuming it is still around the ACA aka Obamacare of getting a job with good benefits.
May 12th 2019, 2:21 pm
#17
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Re: Need healthcare coverage to get insulin
I think you can get on Medicare after you have been married for one year and you are both over 65 and you are a legal resident. Don't know if that helps or not. From the AARP site:
I recently married a Canadian who has applied to become a permanent U.S. resident. Will he be able to get Medicare on my work record and pay the same rate as I pay, or will he have to buy into Medicare?
A. If your work record makes you eligible for full Medicare benefits, then your husband—whatever his nationality—will also be entitled to the same benefits at the same cost, provided he meets all the following conditions:
he is a legal permanent resident of the United States;
he has been married to you for at least one year;
he is age 65 or older.
I recently married a Canadian who has applied to become a permanent U.S. resident. Will he be able to get Medicare on my work record and pay the same rate as I pay, or will he have to buy into Medicare?
A. If your work record makes you eligible for full Medicare benefits, then your husband—whatever his nationality—will also be entitled to the same benefits at the same cost, provided he meets all the following conditions:
he is a legal permanent resident of the United States;
he has been married to you for at least one year;
he is age 65 or older.
We won't qualify though as we are in our 40s.
Thank you for checking though.
May 12th 2019, 2:23 pm
#18
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Re: Need healthcare coverage to get insulin
May 12th 2019, 2:25 pm
#19
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Re: Need healthcare coverage to get insulin
I am 48 and he is 45.
May 12th 2019, 2:39 pm
#21
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Re: Need healthcare coverage to get insulin
Yes, there's some important info missing in this thread... as in the ages of the two of them, and whether the prospective spouse is on Social Security Disability and qualifies for Medicare through that. Assuming the OP is not of Medicare age (65) then they certainly won't qualify and are going to need an ACA individual policy. That will cover insulin and the policy cost could well be subsidised if the future spouse's income is limited to disability. And, of course, assuming they are able to work, either could have a job that provides health insurance.
Got to say that if I were in their shoes, I'd be wanting to live in the UK, not the US, given these health challenges.
Got to say that if I were in their shoes, I'd be wanting to live in the UK, not the US, given these health challenges.
I have had very little medical support from my diabetes consultant as have had to change my insulins several times in the last 18 months, and as a result my fiance has said he wil not even consider moving here.
I am very grateful for your reply and what you have said seems to be the only way forward.
May 12th 2019, 2:42 pm
#22
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Re: Need healthcare coverage to get insulin
Looking back the only thing I see mentioned is Deaf, anyway seem Medicare is not due to 65 plus.
So OP would be looking to presumably go the CR1 route, which means work authorised on arrival, marrying 2020, arrival 2021 or 2022. So a lot can happen in that sort of time.
So assuming it is still around the ACA aka Obamacare of getting a job with good benefits.
So OP would be looking to presumably go the CR1 route, which means work authorised on arrival, marrying 2020, arrival 2021 or 2022. So a lot can happen in that sort of time.
So assuming it is still around the ACA aka Obamacare of getting a job with good benefits.
Thank you for your reply.
May 12th 2019, 2:44 pm
#23
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Re: Need healthcare coverage to get insulin
May 12th 2019, 2:59 pm
#24
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Joined: Apr 2001
Posts: 46,383
Re: Need healthcare coverage to get insulin
I have had very little medical support from my diabetes consultant as have had to change my insulins several times in the last 18 months, and as a result my fiance has said he wil not even consider moving here.
I am very grateful for your reply and what you have said seems to be the only way forward.
May 12th 2019, 3:14 pm
#25
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Re: Need healthcare coverage to get insulin
Medicare does not pay all your medical expenses nor does it cover your prescription drugs. This is knowledge gleamed as a senior on Medicare. A supplemental insurance is required to pick up what medicare does not pay. So my question is whether your fiancée is on mediCARE or mediCAID. Medicaid will pay all his medical expenses.
As a Type 2 Diabetic for over 20 years, I can tell you that although I do not require insulin, and my A1C numbers are well below the diabetes number indicator with the help of meds, my drugs have been changed many times either because the dosage was not correct, the drug was not doing what was anticipated, or new drugs on the market promised better results. I see it as the doctor being very medically supportive with each change in meds. If he weren't, he would have left me on the meds originally given and not given a dam about my health.
It is a lot to think about. Just the fact that you are marrying someone who is deaf and unable to work is something to consider since you are not a healthy person either. I also wonder why your fiancée has not considered or been considered for the cochlear implant. Yes, it takes time after the implant for your brain to learn to understand spoken words but if he is currently using a hearing aid (as I am being profoundly hearing impaired), the brain will learn quicker since it is familiar with the spoke word if the implant is successful.
As a Type 2 Diabetic for over 20 years, I can tell you that although I do not require insulin, and my A1C numbers are well below the diabetes number indicator with the help of meds, my drugs have been changed many times either because the dosage was not correct, the drug was not doing what was anticipated, or new drugs on the market promised better results. I see it as the doctor being very medically supportive with each change in meds. If he weren't, he would have left me on the meds originally given and not given a dam about my health.
It is a lot to think about. Just the fact that you are marrying someone who is deaf and unable to work is something to consider since you are not a healthy person either. I also wonder why your fiancée has not considered or been considered for the cochlear implant. Yes, it takes time after the implant for your brain to learn to understand spoken words but if he is currently using a hearing aid (as I am being profoundly hearing impaired), the brain will learn quicker since it is familiar with the spoke word if the implant is successful.
He had the Cochlear done in October 2017 and he sent me a message last year saying he could hear the birds singing which was a shock to him. That really made me smile, that he could hear that.
Last edited by Lolitainkwell; May 12th 2019 at 3:21 pm.
May 12th 2019, 6:35 pm
#26
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Re: Need healthcare coverage to get insulin
Does he understand that the insulin you are given is free in the UK? Like most Americans, he might not be able to comprehend this concept. I really would think very carefully about moving to the US with significant health issues when working (and therefore getting decent health insurance) is impossible for one or both of you. To put things into perspective, my OH gets a bill for US$ 60,000 for having a 3 hour infusion every 6 weeks to keep his condition under control. Yes. You read that correctly. Yes, that is per infusion, not for the entire year. Of course, the insurance covers it but these are the kind of figures that are bandied about over here without a second thought. If at any point, OH lost his job (and therefore our health insurance), we'd be on the first plane back to civilisation.
Last edited by sherbert; May 12th 2019 at 6:36 pm. Reason: fat fingers, additions
May 12th 2019, 6:35 pm
#27
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Joined: Apr 2001
Posts: 46,383
Re: Need healthcare coverage to get insulin
I'm so glad that he is now able to hear sounds. I understand it takes time to fully hear and understand words, music and in noisy situations. I've been researching it for myself and I am a candidate but because of age and the possibility that it might not work, I have decided against it. After all I have only perhaps 10 more years of life left. I don't want to spend it totally deaf.
If you don't mind my asking a very personal question, and please you do not have to reply, why is he still considered disabled and on Medicare and SSDI?
If you don't mind my asking a very personal question, and please you do not have to reply, why is he still considered disabled and on Medicare and SSDI?
May 12th 2019, 6:38 pm
#28
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Joined: Apr 2001
Posts: 46,383
Re: Need healthcare coverage to get insulin
Another poster retired and he had a young child. He was old enough to get his social security retirement benefits and he was able to claim social security money for the child, as well. The OP should check this out when she comes to the US. The child is probably not his but if he adopts the child, who knows.
May 12th 2019, 6:53 pm
#29
Deep in the woods of CT
Joined: Feb 2010
Posts: 7,002
Re: Need healthcare coverage to get insulin
Another poster retired and he had a young child. He was old enough to get his social security retirement benefits and he was able to claim social security money for the child, as well. The OP should check this out when she comes to the US. The child is probably not his but if he adopts the child, who knows.
May 12th 2019, 6:56 pm
#30
Deep in the woods of CT
Joined: Feb 2010
Posts: 7,002
Re: Need healthcare coverage to get insulin
Does he understand that the insulin you are given is free in the UK? Like most Americans, he might not be able to comprehend this concept. I really would think very carefully about moving to the US with significant health issues when working (and therefore getting decent health insurance) is impossible for one or both of you. To put things into perspective, my OH gets a bill for US$ 60,000 for having a 3 hour infusion every 6 weeks to keep his condition under control. Yes. You read that correctly. Yes, that is per infusion, not for the entire year. Of course, the insurance covers it but these are the kind of figures that are bandied about over here without a second thought. If at any point, OH lost his job (and therefore our health insurance), we'd be on the first plane back to civilisation.