Proving loss of coverage from NHS
Aug 9th 2018, 9:19 pm
#16
Forum Regular
Joined: Jun 2016
Posts: 112
Re: Proving loss of coverage from NHS
I was in a similar situation two months ago, when I was still living in the UK and applying to enroll into my company's insurance plan.
I ticked the "Loss of coverage" box and provided the insurance broker with a letter from my GP practice stating that I was covered under the NHS, and that coverage terminates upon leaving permanently the UK to establish residence elsewhere. I had also provided a copy of my EHIC. The insurance carrier eventually accepted it and I was enrolled the first of the month after I immigrated.
I ticked the "Loss of coverage" box and provided the insurance broker with a letter from my GP practice stating that I was covered under the NHS, and that coverage terminates upon leaving permanently the UK to establish residence elsewhere. I had also provided a copy of my EHIC. The insurance carrier eventually accepted it and I was enrolled the first of the month after I immigrated.
Aug 9th 2018, 9:27 pm
#17
Concierge
Joined: Apr 2001
Posts: 46,379
Re: Proving loss of coverage from NHS
You just arrived in the US. The reason you are going under your husband's healthcare policy is "marriage". There is no other reason and certainly not loss of coverage since NHS coverage never has been available in the US so does not count as a valid policy in the US.
Aug 9th 2018, 9:29 pm
#18
Concierge
Joined: Apr 2001
Posts: 46,379
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.
Aug 9th 2018, 10:14 pm
#19
Deep in the woods of CT
Joined: Feb 2010
Posts: 7,002
Re: Proving loss of coverage from NHS
Rete, although it may not be relevant in this instance, it has been documented on the forum before that the NHS is a valid provider and that people can show that they have had no gap in coverage when arriving in the US by citing the NHS.
Aug 9th 2018, 10:24 pm
#20
BE Irregular
Joined: Jan 2004
Location: Tampa Bay Florida
Posts: 4,849
Re: Proving loss of coverage from NHS
But the paperwork says I have to apply within 60 days of the qualifying event. Doesn't that mean the date we married? (I agree - the wording is unclear.)
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.
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.
Aug 9th 2018, 10:28 pm
#21
Lost in BE Cyberspace
Joined: Jan 2006
Location: San Francisco
Posts: 12,865
Re: Proving loss of coverage from NHS
"There are time limits to your special enrollment period: 60 days after the triggering event normally with the Marketplace, and 30 days typically for workplace plans."
https://www.insure.com/health-insura...nt-period.html
And this link says there were recent changes to require documentation to be produced:
"As of June 17 [2016], consumers were required to provide documentation to enroll through any of these SEPs."
https://familiesusa.org/blog/2016/07...iages-and-more
Last edited by Giantaxe; Aug 9th 2018 at 10:40 pm.
