Proving loss of coverage from NHS
#1
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Location: Northern California
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Proving loss of coverage from NHS
So I'm having some difficulties getting added to my husband's Blue Cross medical coverage. The form I filled in has 7 options for joining, ranging from marriage to newborn to open enrollment. None really apply, so I've ticked 'loss of coverage', as there is no box for newly arrived immigrant. Now the broker says they won't add us unless we have documentation proving loss of coverage. That's not really possible. I'm panicking a bit as my children and I currently have no medical insurance! Any ideas?
#3
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Posts: 71
Re: Proving loss of coverage from NHS
Newborn, adoption, court order, marriage, domestic partnership, loss of coverage, open enrollment.
#4
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Re: Proving loss of coverage from NHS
Surely the broker can deal with this? Isn't being a new immigrant/resident roughly equivalent to being a new employee?
#5
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Re: Proving loss of coverage from NHS
Presume your husband's policy is an individual one and not a group scheme.
#6
Re: Proving loss of coverage from NHS
Why do you think "Marriage" does not apply?. Even if you were married years ago, you are still married. Married people are usually eligible to share a health insurance policy, but it is not mandatory.Loss of coverage from NHS is mandatory, if you are not resident in UK so it looks like you have 2 options.
edit. in case it was not clear, I am saying the status of being married qualifies you, regardless if that status has not changed (ie in the parlance, a "qualifying event" has not occurred recently)
edit. in case it was not clear, I am saying the status of being married qualifies you, regardless if that status has not changed (ie in the parlance, a "qualifying event" has not occurred recently)
Last edited by RICH; Aug 9th 2018 at 6:37 pm.
#7
Re: Proving loss of coverage from NHS
So I'm having some difficulties getting added to my husband's Blue Cross medical coverage. The form I filled in has 7 options for joining, ranging from marriage to newborn to open enrollment. None really apply, so I've ticked 'loss of coverage', as there is no box for newly arrived immigrant. Now the broker says they won't add us unless we have documentation proving loss of coverage. That's not really possible. I'm panicking a bit as my children and I currently have no medical insurance! Any ideas?
#8
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Joined: Jun 2017
Posts: 521
Re: Proving loss of coverage from NHS
Why do you think "Marriage" does not apply?. Even if you were married years ago, you are still married. Married people are usually eligible to share a health insurance policy, but it is not mandatory.Loss of coverage from NHS is mandatory, if you are not resident in UK so it looks like you have 2 options.
edit. in case it was not clear, I am saying the status of being married qualifies you, regardless if that status has not changed (ie in the parlance, a "qualifying event" has not occurred recently)
edit. in case it was not clear, I am saying the status of being married qualifies you, regardless if that status has not changed (ie in the parlance, a "qualifying event" has not occurred recently)
#9
Re: Proving loss of coverage from NHS
Think of all the normal Americans who have jobs and individual insurance. Once they marry, they may or may not move to joint insurance on one or the others' plan. My (ex) wife had an exorbitant plan for many health issues, and it was cost effective for me to get the low cost one from my employer, rather than be added to hers.
#10
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Re: Proving loss of coverage from NHS
Also, that still doesn't cover my children.
I'm waiting to hear back from the broker. My own research suggests that proof that we moved internationally should be enough to prove that we qualify, even though there is no tick box for it.
Thanks everyone for your comments and suggestions.
#11
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Re: Proving loss of coverage from NHS
I am sure I am right. The Marriage is the qualifying event, not the Wedding!
Think of all the normal Americans who have jobs and individual insurance. Once they marry, they may or may not move to joint insurance on one or the others' plan. My (ex) wife had an exorbitant plan for many health issues, and it was cost effective for me to get the low cost one from my employer, rather than be added to hers.
Think of all the normal Americans who have jobs and individual insurance. Once they marry, they may or may not move to joint insurance on one or the others' plan. My (ex) wife had an exorbitant plan for many health issues, and it was cost effective for me to get the low cost one from my employer, rather than be added to hers.
https://www.nerdwallet.com/blog/heal...llment-period/
Imo, it is the loss of NHS coverage that entitles the OP to have the right to sign up outside of whatever the open enrollment period is for their spouse's plan.
Last edited by Giantaxe; Aug 9th 2018 at 7:52 pm.
#12
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Joined: Jun 2017
Posts: 521
Re: Proving loss of coverage from NHS
What about using a copy of the form you send to HMRC to let them know you're no longer a tax resident? Can't remember the code but that form would effectively prove you can no longer get UK tax derived benefits such as NHS access.
#13
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Location: Athens GA
Posts: 2,134
Re: Proving loss of coverage from NHS
I disagree. It is the act of getting married that allows one to have a "special enrollment period" to sign up at that point rather than having to wait for the next open enrollment. That's the case whether this is an individual policy or an employer-provided one. My employer, for example, gives you 60 days after marriage/becoming domestic partner to sign up outside of open enrollment.
https://www.nerdwallet.com/blog/heal...llment-period/
Imo, it is the loss of NHS coverage that entitles the OP to have the right to sign up outside of whatever the open enrollment period is for their spouse's plan.
https://www.nerdwallet.com/blog/heal...llment-period/
Imo, it is the loss of NHS coverage that entitles the OP to have the right to sign up outside of whatever the open enrollment period is for their spouse's plan.
The event is becoming a lawful resident of the USA. Unfortunately there is no requirement for non-exchange policies to treat this as qualifying for special enrollment so the OP may find that she has to purchase a separate policy on the exchange, until her husband's open enrollment time comes.
Becoming a United States citizen (this qualifying event only applies within the exchanges – carriers selling coverage off-exchange are not required to offer a special enrollment period for people who gain citizenship or lawful presence in the US).Source: https://www.healthinsurance.org/obam...-you-coverage/
#14
Re: Proving loss of coverage from NHS
It’s Form P85, but being resident for tax purposes and being eligible for NHS care are not the same thing.
#15
Re: Proving loss of coverage from NHS
As for US healthcare, good link Giantaxe. I maintain that married folk can be covered by the spouses insurance without the waiting period and despite the "rules". Based on nothing more than common sense. I know that doesn't make sense.