British Expats - YAHIQ (yet another health insurance question)

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Re: YAHIQ (yet another health insurance question)

Generally I dislike using 3rd parties but by the sounds of it, in this case they will be useful then.

So pre-existing should be covered from day 1, but the premiums will be higher. How far in advance should I be setting this up properly? Many "instant quotes" only allow up to two months in advance. We have a vague "late November / early December" aim which I appreciate is a long time from now but better to be prepared.

Any opinions on whether I should just pay up for the family despite them being outside the country for a couple of months?

Thanks all.

Re: YAHIQ (yet another health insurance question)

Quote:

Originally Posted by GeoffM (Post 9374267)

I think now would be a good time to start a relationship with someone. We had such a great broker for our family business, but she's retired now (and in the wrong state for you).

I would then ask the broker if there is an advantage, or a way around, paying for your family while they are not in the US.

Consider this like hiring any other expert. Surely, with your 'O' capabilities you can appreciate specialists. :)

Re: YAHIQ (yet another health insurance question)

Quote:

Originally Posted by GeoffM (Post 9372200)

Firstly, I won't have the option of group health insurance as I won't even have an employer when I arrive (probably), neither will the wife. Though I will have a small business set up, it'll be a one-man band and not qualify for CA group policies, nor would I qualify for high risk pools etc. I realise all plans are different so these are general questions.

Got a trade body, chamber of commerce or anything like that you could join? If you can, you can then often get a group rate through them, usually expensive still but gets you off the pre-existing problem etc.

The NHS credible coverage means you've got 63 days to find insurance before insurance can use pre-existing as a barrier to coverage. That's not to say they won't price you out of the market though, just that they'll offer you coverage.