Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

short term health insurance

short term health insurance

Old Feb 5th 2011, 1:15 pm
  #1  
BE Enthusiast
Thread Starter
 
Joined: Dec 2008
Posts: 766
Flabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond repute
Default short term health insurance

has anyone moved over on an L1 or similar (ie non immigrant) and got their health insurance theirselves ? we are looking at something to cover us for 6-8 months until we either re-new our visa, obtain a GC or go back to the UK .

however its proving a mine field. so interested to know if anyone a) had a long term travel insurance from the Uk or b) picked up a good short term one here in the US.

eventually Mrs FB hopes to have cover through a job (nurse).

TIA
Flabound oneday is offline  
Old Feb 5th 2011, 4:43 pm
  #2  
Lost in BE Cyberspace
 
Joined: May 2010
Location: San Diego, California
Posts: 7,214
SanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond repute
Default Re: short term health insurance

If one moves to the US on an L1 (or similar) that usually means you are transferring from a job in the UK to a job in the US.

The majority of people, therefore, would have health insurance provided through their employer, so cannot say I have heard of anyone needing to get short-term or individual insurance in this case.

When you say "re-new your visa", a visa is usually valid for up to three years and beyond, so short term health insurance would not cover you for this period.

There IS short term health insurance available via most insurance companies in the US, and some offer "catastrophic" cover only. I believe you need to be in the US to apply for this.

Have you looked on ehealthinsurance.com to get some idea as to what is available and how much it would cost?
SanDiegogirl is offline  
Old Feb 5th 2011, 7:27 pm
  #3  
Lost in BE Cyberspace
 
Joined: May 2010
Location: San Diego, California
Posts: 7,214
SanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond repute
Default Re: short term health insurance

I have just realised from back posts, that you and your family are coming to the US based on your setting up a company here.

Have you considered organising group insurance for your new company?

Even with a minimum staff ( I was once told that a Group scheme could be as small as 3 people) it might be less expensive, less restrictive with regards pre-conditions than a short term policy and your wife could also be covered under the scheme.

Just a thought.
SanDiegogirl is offline  
Old Feb 5th 2011, 8:37 pm
  #4  
BE Enthusiast
Thread Starter
 
Joined: Dec 2008
Posts: 766
Flabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond repute
Default Re: short term health insurance

yes its my company and yes its only one year at present. we have consulted a couple of health insurance 'experts' who all say small group cover is no cheaper.we have however found pure accident cover @35 bucks a month each
Flabound oneday is offline  
Old Feb 5th 2011, 9:00 pm
  #5  
Lost in BE Cyberspace
 
Joined: May 2010
Location: San Diego, California
Posts: 7,214
SanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond reputeSanDiegogirl has a reputation beyond repute
Default Re: short term health insurance

Wow, that is cheap. Hope its sufficient for your needs though, being purely accident.
SanDiegogirl is offline  
Old Feb 5th 2011, 9:07 pm
  #6  
BE Enthusiast
Thread Starter
 
Joined: Dec 2008
Posts: 766
Flabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond reputeFlabound oneday has a reputation beyond repute
Default Re: short term health insurance

its a start but we are alos looking for true medical as well. this is like an 'extra' cover
Flabound oneday is offline  
Old Feb 5th 2011, 9:18 pm
  #7  
@matthewb76
 
Manc's Avatar
 
Joined: Jul 2003
Location: Missouri
Posts: 21,886
Manc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond reputeManc has a reputation beyond repute
Default Re: short term health insurance

http://www.assuranthealth.com/corp/a...alth-insurance
Manc is offline  
Old Feb 6th 2011, 12:15 am
  #8  
Banned
 
Joined: Feb 2011
Posts: 4
johnsonlasard is an unknown quantity at this point
Default Re: short term health insurance

Originally Posted by Flabound oneday View Post
has anyone moved over on an L1 or similar (ie non immigrant) and got their health insurance theirselves ? we are looking at something to cover us for 6-8 months until we either re-new our visa, obtain a GC or go back to the UK .

however its proving a mine field. so interested to know if anyone a) had a long term travel insurance from the Uk or b) picked up a good short term one here in the US.

eventually Mrs FB hopes to have cover through a job (nurse).

TIA
If at this stage your plans are short term IMHO I would self insure. Short term coverage is probably going to be V expensive and probably a lot of hassle. Once you know what your long term plans are you would obviously want to look into a health insurance plan.
Just make sure you are healthy before coming out as getting sick in this country can be pricey (even if you have insurance). If you don't think you can go 6 months or so without a doctors visit (unless it is something routine/minor) I would suggest not coming out, at least until you have something lined up.
If you are healthy but if an emergencything does arise in that 6 or 8 month period you will have a little to negotiate with.
Another option to consider is travel insurance. This is something I did before I came out here. I took out a worldwide policy as my plans were a little vague. I did use it once but only for something minor.
I always make sure to check in with my local GP when I'm back in blighty....God bless the NHS!
Good luck with your plans
johnsonlasard is offline  
Old Feb 6th 2011, 12:31 am
  #9  
BE Forum Addict
 
lisa67's Avatar
 
Joined: Jan 2008
Location: Toasty in Texas
Posts: 4,240
lisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond reputelisa67 has a reputation beyond repute
Default Re: short term health insurance

Originally Posted by johnsonlasard View Post
If at this stage your plans are short term IMHO I would self insure. Short term coverage is probably going to be V expensive and probably a lot of hassle. Once you know what your long term plans are you would obviously want to look into a health insurance plan.
Just make sure you are healthy before coming out as getting sick in this country can be pricey (even if you have insurance). If you don't think you can go 6 months or so without a doctors visit (unless it is something routine/minor) I would suggest not coming out, at least until you have something lined up.
If you are healthy but if an emergencything does arise in that 6 or 8 month period you will have a little to negotiate with.
Another option to consider is travel insurance. This is something I did before I came out here. I took out a worldwide policy as my plans were a little vague. I did use it once but only for something minor.
I always make sure to check in with my local GP when I'm back in blighty....God bless the NHS!


Good luck with your plans
So if he comes over here on an L1 visa and his appendix bursts or he falls over and breaks his arm you honestly think travel insurance will cover it?
If so could you provide a link to a company that you would recommend please .

Last edited by lisa67; Feb 6th 2011 at 12:33 am. Reason: Bl**dy predictive text!!
lisa67 is offline  
Old Feb 6th 2011, 3:30 am
  #10  
Banned
 
Joined: Feb 2011
Posts: 4
johnsonlasard is an unknown quantity at this point
Default Re: short term health insurance

Originally Posted by lisa67 View Post
So if he comes over here on an L1 visa and his appendix bursts or he falls over and breaks his arm you honestly think travel insurance will cover it?
If so could you provide a link to a company that you would recommend please .
I used Home and Overseas (which were part of the Eagle Star group) but have now been fully asborded into Zurich. I got an eye infection a few years ago, gave the hospital my details and they took care of it. Best 150 quid I ever spent. Think the bill was several grand?
Not saying this is the best option but it was an option that i tried and paid off. As the OP is not sure what his long term plans are I cannot think of anything much better. the most he's gonna lose is a couple of hundred quid.
johnsonlasard is offline  
Old Feb 7th 2011, 12:37 am
  #11  
Member
 
Joined: Mar 2010
Posts: 13
CalBrit is an unknown quantity at this point
Default Re: short term health insurance

http://www.worldnomads.com/

Check out World Nomads, they allow you to live and work abroad for up to 18 months at a time, and then if you go home and then return to the US you can buy a new policy.

They do not cover preventative care, but give excellent coverage for emergency medical costs. I think it's £100 out of pocket per claim.
CalBrit is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.