Medical Insurance

[chrissyG]

Hi everyone new here, hoping to move to US on a fiance visa in 3 months time & trying to figure out how to get medical insurance. Got lots of quotes & then told that I won't be eligible to take out any insurance until have been in US for 12 months. Got quotes from here (BUPA) & 3x as expensive, so anyone know any way round this or any good companies/plans?

Not too bothered about me since I'm A1 health-wise but really want my 14 year old covered.
Thanks
Chrissy (will definitely miss our NHS)

[twostep]

Is your future husband isured? If so - through his employer or independent?

[Fatbrit]

Is your future spouse employed with health insurance? If so, look at jumping on that ticket. Or are you going to get a job yourself? Look for one with health insurance. IMO, current individual policies are an expensive waste of time since they will happily exclude anything you're ill with. Expect this to change in the near future, though. A major health care bill is just around the corner.

Anyway, have a look here or similar sites.

Health insurance in the US is a whole new language. Expect to take time learning the terminology.

[chrissyG]

Originally Posted by twostep

Is your future husband isured? If so - through his employer or independent?

Unfortunately no, otherwise that would have probably been the best way; he, like me, prefers alternative medicine & also works for himself so hasn't got employee cover, he hasn't been to a doctor for decades.

[patusa]

Originally Posted by chrissyG

Unfortunately no, otherwise that would have probably been the best way; he, like me, prefers alternative medicine & also works for himself so hasn't got employee cover, he hasn't been to a doctor for decades.

hi i am an newbie i am soon to be an expat to i will miss nhs to dont know what you got til its gone has anyone said anything to you about medicare i am not sure how it works but maybe you can ask about that good luck in your new life

[chrissyG]

Originally Posted by patusa

hi i am an newbie i am soon to be an expat to i will miss nhs to dont know what you got til its gone has anyone said anything to you about medicare i am not sure how it works but maybe you can ask about that good luck in your new life

As I said in my original post, I have already got lots of quotes - so have heard of medicare thanks.

[patusa]

Originally Posted by chrissyG

As I said in my original post, I have already got lots of quotes - so have heard of medicare thanks.

ok all the best then hope all goes well for you

[A8NNC]

Hi
We are also moving to the States and wanted to get cover for at least the first year, if you call American Express they can off a one year policy it is called a Gap Year Policy - I think and it will cover you for emergencies dental etc there is an excess, but for us a family of 3 my daughter is 17 it is approx £675. My brother took something like this out for his first year and they have used it a few times, it is a good policy to start with....

[chrissyG]

Thank you A8NNC
I have just filled in an on-line form for American Express. I assume the £625 was per month, seems more expensive than the schemes I've been sent, but I've been looking at ones with a deductible of $3000+ a year, since we're both in very good health.

[A8NNC]

Originally Posted by chrissyG

Thank you A8NNC
I have just filled in an on-line form for American Express. I assume the £625 was per month, seems more expensive than the schemes I've been sent, but I've been looking at ones with a deductible of $3000+ a year, since we're both in very good health.

Hi
No this is for a year, it is like a travel insurance policy but you can return back to the UK (not sure how many times) they have quite a few different policies, but it is mainly emergency cover - but with an excess on it. For the first year until you decide what to do it seems ok. As i said my brother and his family have it and have used it for dental emergency and calling out doctors and they paid up ok. Ring American Express and explain and they will tell you the best policy for a year. Bupa are thousands per year even if you are a member here, at least by taking this policy you are covered until you decide what to do. They will email you the quote and you can see exactly what it covers.