YAHIQ (yet another health insurance question)
#16
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Joined: Feb 2010
Location: Temecula, CA
Posts: 4,759
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.
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.
#17
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.
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.
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.
#18
Re: YAHIQ (yet another health insurance question)
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.
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.