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New York Health Insurance

New York Health Insurance

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Old Jan 22nd 2019, 6:35 am
  #1  
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Default New York Health Insurance

Really grateful for some speedy assistance.

My wife (US citizen) and I are moving to NYC on Friday 25th January. I have an immigrant visa sorted (green card). She is currently employed in U.K. by a New York company and is traveling to start in New York office from 1 February.

Her Office has neglected to sort health insurance for the period between our arrival and her starting in the New York office. I will be unemployed.

We’re trying to get an interim measure but New York short term health bans make this hugely difficult.

help!!
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Old Jan 22nd 2019, 11:26 am
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Default Re: New York Health Insurance

You don't appear to have an obvious answer here - since short term is banned in NY, and you cannot use travel insurance since you are not a visitor, I don't see what other options you have here. What I would like to know is how on earth a US company 'forgot' to enroll an employee in their health plan... and if that's the case and it's their error (and it's documented) that they should foot the bill for any expenses you incur until they sort it out.
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Old Jan 22nd 2019, 12:47 pm
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Default Re: New York Health Insurance

It may be possible to get cover via the NY Marketplace https://nystateofhealth.ny.gov/indiv...mInstantQuotes then cancel it when the employer coverage kicks in.
However, I am not sure when such coverage would commence. You are obviously on a very short time scale.
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Old Jan 22nd 2019, 1:16 pm
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Default Re: New York Health Insurance

Originally Posted by Peteruns
Really grateful for some speedy assistance.

My wife (US citizen) and I are moving to NYC on Friday 25th January. I have an immigrant visa sorted (green card). She is currently employed in U.K. by a New York company and is traveling to start in New York office from 1 February.

Her Office has neglected to sort health insurance for the period between our arrival and her starting in the New York office. I will be unemployed.

We’re trying to get an interim measure but New York short term health bans make this hugely difficult.

help!!
There's no reason why the company's HI provider shouldn't be able to write coverage immediately -- if they don't want to foot the cost before your wife starts work, she can offer to pay for that period.
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Old Jan 22nd 2019, 2:45 pm
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Default Re: New York Health Insurance

Move the start date to the 25th.
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Old Jan 22nd 2019, 3:21 pm
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Default Re: New York Health Insurance

For my own enlightenment..

You can get a 'Green card' before moving?
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Old Jan 22nd 2019, 3:25 pm
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Default Re: New York Health Insurance

Originally Posted by Hotscot
For my own enlightenment..

You can get a 'Green card' before moving?
No.

Rene
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Old Jan 22nd 2019, 3:41 pm
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Default Re: New York Health Insurance

To be fair he said immigrant visa.

Delay arrival?
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Old Jan 22nd 2019, 3:44 pm
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Default Re: New York Health Insurance

Originally Posted by Boiler
To be fair he said immigrant visa.

Delay arrival?
And also green card, but probably just a misconception. I wasn't questioning him..just filling in my own knowledge.
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Old Jan 22nd 2019, 3:45 pm
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Default Re: New York Health Insurance

I'm thinking it may not be a case of the US employer forgetting, but simply that 1st February is the start date. As this is a transfer, what is her status in the interim? Is she still employed by the UK entity? Or is she unemployed in that period? Guessing not unemployed, therefore are health cover benefits not still available through the UK entity / employer? If it is just you left without cover, there's an option to delay your travel until 1st February...?
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Old Jan 22nd 2019, 3:47 pm
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Default Re: New York Health Insurance

Most UK Employers will not provide Health Care benefits, maybe a bit of BUPA type top up.

Last edited by scrubbedexpat099; Jan 22nd 2019 at 3:53 pm.
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Old Jan 22nd 2019, 3:50 pm
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Default Re: New York Health Insurance

Originally Posted by Boiler
Most UK Employers will not provide Health Care benefits, maybe a bot of BUPA type top up.
I had full private health insurance in the UK. That was 10 years ago though, and the landscape may have changed. However, I get the feeling the wife here is not a junior employee and therefore may have similar.

But maybe not.

Was just thinking around the situation...
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Old Jan 22nd 2019, 3:54 pm
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Default Re: New York Health Insurance

Originally Posted by celticgrid
I had full private health insurance in the UK. That was 10 years ago though, and the landscape may have changed. However, I get the feeling the wife here is not a junior employee and therefore may have similar.

But maybe not.

Was just thinking around the situation...
If she had been seconded from the US that would be possible.
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Old Jan 22nd 2019, 7:45 pm
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Default Re: New York Health Insurance

Company has probably not forgotten to start health insurance from the 25th January since the new employee is starting work on 1st February.

It's only 7 days..... just be careful ........ and don't go skiing or anything stupid.

If really, really worried about this period, delay arriving until 31 January.
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Old Jan 23rd 2019, 9:05 am
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Default Re: New York Health Insurance

This is for my own knowledge rather than offer advice - but is it not possible to purchase temporary health insurance for the period, that is created for expats in this exact situation?

I only ask because I am moving in two weeks time on a spousal visa rather than with an employer, and was planning on doing something like this for myself for the first few weeks until any employment based cover is provided. Am I misunderstanding the possibility of doing so?

Thanks
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