Relocation Package
Apr 1st 2021, 4:22 pm
#31
Lost in BE Cyberspace
Joined: May 2010
Location: San Diego, California
Posts: 9,652
Re: Relocation Package
As said, getting the green card can take years.... it's all up to your employer to make the application
Apr 1st 2021, 6:00 pm
#32
DE-UK-NZ-IE-US... the TYP
Joined: Mar 2010
Posts: 2,854
Re: Relocation Package
I got through the first round with 18/19 years speciality experience and qualifications. Not degree level. I am a member of the institute of mechanical engineers which is internationally recognised.
Ive looked at the prevaling wage. Not 100% sure what to do. Not degree qualified, but a lot of specialised experience. So do i put 120 month required or put qualifications as college?
I cant remember the name of the provider now. I have noted it down somewhere. But basically they have a primary plan with $5k deductibles, and a secondary plan which brings the primary deductibles down to $1k. In network coinsurance is 100%. So i have 2 cards to carry.
Ive looked at the prevaling wage. Not 100% sure what to do. Not degree qualified, but a lot of specialised experience. So do i put 120 month required or put qualifications as college?
I cant remember the name of the provider now. I have noted it down somewhere. But basically they have a primary plan with $5k deductibles, and a secondary plan which brings the primary deductibles down to $1k. In network coinsurance is 100%. So i have 2 cards to carry.
Just to be clear, when you say you “got through the first round” it is my understanding they don’t really review anything, they check for duplicate applications and cancel them all. But my understanding is the review only happens once it’s picked, so getting picked does not mean experience or a degree etc is evaluated as sufficient yet.
On the healthcare plan, it sounds like a plan with a deductible and then something like an HSA card that covers most of the deductible. So you would have your Insurnace card and the HSA debit card. I believe that an employer can fund the HSA so if that’s the setup, that’s how the may be able to cover 100%... also check they are paying for your wife / dependents, not all employers cover everyone.
Last edited by tht; Apr 1st 2021 at 6:09 pm.
Apr 1st 2021, 6:04 pm
#33
BE Enthusiast
Joined: May 2019
Posts: 348
Re: Relocation Package
(3) Hold an unrestricted State license, registration or certification which authorizes him or her to fully practice the specialty occupation and be immediately engaged in that specialty in the state of intended employment; or
(4) Have education, specialized training, and/or progressively responsible experience that is equivalent to completion of a United States baccalaureate or higher degree in the specialty occupation, and have recognition of expertise in the specialty through progressively responsible positions directly related to the specialty.
(4) Have education, specialized training, and/or progressively responsible experience that is equivalent to completion of a United States baccalaureate or higher degree in the specialty occupation, and have recognition of expertise in the specialty through progressively responsible positions directly related to the specialty.
Apr 1st 2021, 7:48 pm
#34
Forum Regular
Joined: Jun 2008
Location: Virginia
Posts: 129
Re: Relocation Package
I can give a recent hospital bill / Healthcare example: dependent on plan and provider you may be paying 20% of every medical bill that comes in until you meet your 'out of pocket max'.
and you will still be paying monthly premiums.
our oop max was $4k (the value is dependent on plan choice) , once you have met your oop max (commonly known as excess in the U.K) the insurance MAY cover 100%. (again check for all accidents and conditions are covered), and, see what is not covered.
these are things you need to understand fully, in advance.
we pay $25 a session for 'out patient therapy' , insurance pays rest or therapy bill ($200+) per session, its common.
This is a clause in the insurance and not related to 20/80. its a set fee for therapies.
Insurance usually allows a certain number of in patient and out patient therapy treatment, we had 80 sessions allowance, for example.
which in our case, yes was / is, somehow enough sessions to date.
My wife had a 6hr spinal surgery May 27 last year while 5 months pregnant (GULP!) still chokes me, following a collapsed lower vertebrae T9 / lost ability to walk.
= $295,895 bills just from the hospital.
This bill does not count;
specially equipped ambulance ride to local hospital.
the testing at the local hospital prior to major surgery,
ambulance bills to UVA hospital.
4 weeks in a spinal rehab center.
home rehab therapy bills after.
outpatient therapy after.
doctor visits after,
back to hospital to see the surgeons periodically for CT scans & check up.
= all costs are still separate to the major hospital bill.
it's ongoing billing where therapy and check ups are concerned, on an 20/80 pay/paid basis until we meet our OOP max each year, (we are into a new billing year now) until such time that that my wife does not need to visit a care provider , essentially.
we maxed out or 2020 OOP easily, but I was prepared, and I had opted for a HSA card and saved 6k previous to the event (max HSA yearly contribution) .
our employer did / does contribute to HSA each year, its currently $375/qtr (i'll take it!).
This is the lucky part.. I had changed my OOP max in favor of slightly higher premiums earlier last year because we knew we were having a baby, so i opted for the plan with the least total outlay including premiums & OOP max. (sum of the two). i knew i was going to max it that year, so we adjusted the CDHP to a PP0 750 earlier, its just we did not expect the spinal issue.
it was covered either policy, but be we laid out less, and we had prepared the HSA, and understood all.
slight tangent (apologies) and definitely worth mentioning, some HSA accounts allow you to invest your 'tax free' HSA funds into stock market :-) and if the fund increases above the 6k/yr contribution limit, is not taxable. A riskier option, but an option, and worth considering for retirement health costs.
the Surgeons, and teams, and care was amazing / is very good.
however, naturally I would not wish that you had such an event, and know that the billing system, receiving bills and EOB's a year late, is atrocious.
the post is about relocation, medical should be examined rigorously.
HTH.
and you will still be paying monthly premiums.
our oop max was $4k (the value is dependent on plan choice) , once you have met your oop max (commonly known as excess in the U.K) the insurance MAY cover 100%. (again check for all accidents and conditions are covered), and, see what is not covered.
these are things you need to understand fully, in advance.
we pay $25 a session for 'out patient therapy' , insurance pays rest or therapy bill ($200+) per session, its common.
This is a clause in the insurance and not related to 20/80. its a set fee for therapies.
Insurance usually allows a certain number of in patient and out patient therapy treatment, we had 80 sessions allowance, for example.
which in our case, yes was / is, somehow enough sessions to date.
My wife had a 6hr spinal surgery May 27 last year while 5 months pregnant (GULP!) still chokes me, following a collapsed lower vertebrae T9 / lost ability to walk.
= $295,895 bills just from the hospital.
This bill does not count;
specially equipped ambulance ride to local hospital.
the testing at the local hospital prior to major surgery,
ambulance bills to UVA hospital.
4 weeks in a spinal rehab center.
home rehab therapy bills after.
outpatient therapy after.
doctor visits after,
back to hospital to see the surgeons periodically for CT scans & check up.
= all costs are still separate to the major hospital bill.
it's ongoing billing where therapy and check ups are concerned, on an 20/80 pay/paid basis until we meet our OOP max each year, (we are into a new billing year now) until such time that that my wife does not need to visit a care provider , essentially.
we maxed out or 2020 OOP easily, but I was prepared, and I had opted for a HSA card and saved 6k previous to the event (max HSA yearly contribution) .
our employer did / does contribute to HSA each year, its currently $375/qtr (i'll take it!).
This is the lucky part.. I had changed my OOP max in favor of slightly higher premiums earlier last year because we knew we were having a baby, so i opted for the plan with the least total outlay including premiums & OOP max. (sum of the two). i knew i was going to max it that year, so we adjusted the CDHP to a PP0 750 earlier, its just we did not expect the spinal issue.
it was covered either policy, but be we laid out less, and we had prepared the HSA, and understood all.
slight tangent (apologies) and definitely worth mentioning, some HSA accounts allow you to invest your 'tax free' HSA funds into stock market :-) and if the fund increases above the 6k/yr contribution limit, is not taxable. A riskier option, but an option, and worth considering for retirement health costs.
the Surgeons, and teams, and care was amazing / is very good.
however, naturally I would not wish that you had such an event, and know that the billing system, receiving bills and EOB's a year late, is atrocious.
the post is about relocation, medical should be examined rigorously.
HTH.
Last edited by hutchison; Apr 1st 2021 at 8:00 pm.
Apr 2nd 2021, 2:13 pm
#35
Account Closed
Thread Starter
Joined: Dec 2020
Posts: 0
Re: Relocation Package
No experience with an H1b without a degree, assuming your future employer has done it before hopefully they have an experienced lawyer working on it.
Just to be clear, when you say you “got through the first round” it is my understanding they don’t really review anything, they check for duplicate applications and cancel them all. But my understanding is the review only happens once it’s picked, so getting picked does not mean experience or a degree etc is evaluated as sufficient yet.
On the healthcare plan, it sounds like a plan with a deductible and then something like an HSA card that covers most of the deductible. So you would have your Insurnace card and the HSA debit card. I believe that an employer can fund the HSA so if that’s the setup, that’s how the may be able to cover 100%... also check they are paying for your wife / dependents, not all employers cover everyone.
Just to be clear, when you say you “got through the first round” it is my understanding they don’t really review anything, they check for duplicate applications and cancel them all. But my understanding is the review only happens once it’s picked, so getting picked does not mean experience or a degree etc is evaluated as sufficient yet.
On the healthcare plan, it sounds like a plan with a deductible and then something like an HSA card that covers most of the deductible. So you would have your Insurnace card and the HSA debit card. I believe that an employer can fund the HSA so if that’s the setup, that’s how the may be able to cover 100%... also check they are paying for your wife / dependents, not all employers cover everyone.
yea my wife deductibles are double mine, but coverage is the same.
Apr 2nd 2021, 2:21 pm
#36
Account Closed
Thread Starter
Joined: Dec 2020
Posts: 0
Re: Relocation Package
I can give a recent hospital bill / Healthcare example: dependent on plan and provider you may be paying 20% of every medical bill that comes in until you meet your 'out of pocket max'.
and you will still be paying monthly premiums.
our oop max was $4k (the value is dependent on plan choice) , once you have met your oop max (commonly known as excess in the U.K) the insurance MAY cover 100%. (again check for all accidents and conditions are covered), and, see what is not covered.
these are things you need to understand fully, in advance.
we pay $25 a session for 'out patient therapy' , insurance pays rest or therapy bill ($200+) per session, its common.
This is a clause in the insurance and not related to 20/80. its a set fee for therapies.
Insurance usually allows a certain number of in patient and out patient therapy treatment, we had 80 sessions allowance, for example.
which in our case, yes was / is, somehow enough sessions to date.
My wife had a 6hr spinal surgery May 27 last year while 5 months pregnant (GULP!) still chokes me, following a collapsed lower vertebrae T9 / lost ability to walk.
= $295,895 bills just from the hospital.
This bill does not count;
specially equipped ambulance ride to local hospital.
the testing at the local hospital prior to major surgery,
ambulance bills to UVA hospital.
4 weeks in a spinal rehab center.
home rehab therapy bills after.
outpatient therapy after.
doctor visits after,
back to hospital to see the surgeons periodically for CT scans & check up.
= all costs are still separate to the major hospital bill.
it's ongoing billing where therapy and check ups are concerned, on an 20/80 pay/paid basis until we meet our OOP max each year, (we are into a new billing year now) until such time that that my wife does not need to visit a care provider , essentially.
we maxed out or 2020 OOP easily, but I was prepared, and I had opted for a HSA card and saved 6k previous to the event (max HSA yearly contribution) .
our employer did / does contribute to HSA each year, its currently $375/qtr (i'll take it!).
This is the lucky part.. I had changed my OOP max in favor of slightly higher premiums earlier last year because we knew we were having a baby, so i opted for the plan with the least total outlay including premiums & OOP max. (sum of the two). i knew i was going to max it that year, so we adjusted the CDHP to a PP0 750 earlier, its just we did not expect the spinal issue.
it was covered either policy, but be we laid out less, and we had prepared the HSA, and understood all.
slight tangent (apologies) and definitely worth mentioning, some HSA accounts allow you to invest your 'tax free' HSA funds into stock market :-) and if the fund increases above the 6k/yr contribution limit, is not taxable. A riskier option, but an option, and worth considering for retirement health costs.
the Surgeons, and teams, and care was amazing / is very good.
however, naturally I would not wish that you had such an event, and know that the billing system, receiving bills and EOB's a year late, is atrocious.
the post is about relocation, medical should be examined rigorously.
HTH.
and you will still be paying monthly premiums.
our oop max was $4k (the value is dependent on plan choice) , once you have met your oop max (commonly known as excess in the U.K) the insurance MAY cover 100%. (again check for all accidents and conditions are covered), and, see what is not covered.
these are things you need to understand fully, in advance.
we pay $25 a session for 'out patient therapy' , insurance pays rest or therapy bill ($200+) per session, its common.
This is a clause in the insurance and not related to 20/80. its a set fee for therapies.
Insurance usually allows a certain number of in patient and out patient therapy treatment, we had 80 sessions allowance, for example.
which in our case, yes was / is, somehow enough sessions to date.
My wife had a 6hr spinal surgery May 27 last year while 5 months pregnant (GULP!) still chokes me, following a collapsed lower vertebrae T9 / lost ability to walk.
= $295,895 bills just from the hospital.
This bill does not count;
specially equipped ambulance ride to local hospital.
the testing at the local hospital prior to major surgery,
ambulance bills to UVA hospital.
4 weeks in a spinal rehab center.
home rehab therapy bills after.
outpatient therapy after.
doctor visits after,
back to hospital to see the surgeons periodically for CT scans & check up.
= all costs are still separate to the major hospital bill.
it's ongoing billing where therapy and check ups are concerned, on an 20/80 pay/paid basis until we meet our OOP max each year, (we are into a new billing year now) until such time that that my wife does not need to visit a care provider , essentially.
we maxed out or 2020 OOP easily, but I was prepared, and I had opted for a HSA card and saved 6k previous to the event (max HSA yearly contribution) .
our employer did / does contribute to HSA each year, its currently $375/qtr (i'll take it!).
This is the lucky part.. I had changed my OOP max in favor of slightly higher premiums earlier last year because we knew we were having a baby, so i opted for the plan with the least total outlay including premiums & OOP max. (sum of the two). i knew i was going to max it that year, so we adjusted the CDHP to a PP0 750 earlier, its just we did not expect the spinal issue.
it was covered either policy, but be we laid out less, and we had prepared the HSA, and understood all.
slight tangent (apologies) and definitely worth mentioning, some HSA accounts allow you to invest your 'tax free' HSA funds into stock market :-) and if the fund increases above the 6k/yr contribution limit, is not taxable. A riskier option, but an option, and worth considering for retirement health costs.
the Surgeons, and teams, and care was amazing / is very good.
however, naturally I would not wish that you had such an event, and know that the billing system, receiving bills and EOB's a year late, is atrocious.
the post is about relocation, medical should be examined rigorously.
HTH.
$295,895, wow scary numbers. We are lucky to have the NHS. Im glad it all worked out for you and your partner.
I think i need to check all the small print what is and isnt included. Seems to give limited information at present. All so confusing health insurance in the us
Apr 2nd 2021, 3:09 pm
#37
Forum Regular
Joined: Jun 2008
Location: Virginia
Posts: 129
Re: Relocation Package
understand & prep, it is not all bad. thanks, Wife & 6 month old all good :-) , and me.
Apr 2nd 2021, 7:25 pm
#38
DE-UK-NZ-IE-US... the TYP
Joined: Mar 2010
Posts: 2,854
Re: Relocation Package
Winning the right to be considered is a step in the tight direction. No doubt I/we will have other hurdles to over come. This is one of the reasons i registered with the IMechE to be more recognised. Hopefully the lawyers know what they are doing, my friend has done it with them, but he has a degree and works in a field different to me. Hopefully my 18/19 years specialised experience will be enough.i Iknow 3 years work experience is counted to 1 year degree. I've worked for 1 of the only 2 companies in the world that provide this machinery. And you all use it pretty much everyday.
yea my wife deductibles are double mine, but coverage is the same.
yea my wife deductibles are double mine, but coverage is the same.
I can’t think of many companies that have a duopoly in manufacturing beyond maybe aviation (which not every one uses everyday) and maybe some specialized RF chip manufacturing which would go in to cell phones....Your username had me guessing primate husbandry or adult entertainment.... lol
Good luck with the visa and negotiating your relocation package! Don’t forget Americans are not as reserved about asking for things and negotiating..
