I am a US citizen moving back to the US with my husband and 2 children. My husband is the one who is immigrating - the kids and I are citizens. However, we've been told that we can't get insurance for 1 year. Does anyone know how to get insurance in this situation? Healthcare is so expensive in the US - what if we're in a car accident or something? I'd be afraid to take my family there if we weren't covered for insurance. A fried of mine is even an Allstate agent and she said that she couldn't find a carrier that would cover us. My husband will have a green card, social security number and permanent residence. Any advice from anyone on this subject would be greatly appreciated! Thank you.
2007-05-24 16:22:23 · 7 answers · asked by Anonymous in Politics & Government ➔ Immigration
I think the waiting period is untrue. The reason I say this, is that I had insurance right after I applied for my green card. I was working on an EAD and Pacific Source gave me medical and dental without any hassles.
2007-05-24 16:28:41 · answer #1 · answered by ron 4 · 0⤊ 0⤋
To qualify for medicare in the USA you have to have paid into the medicare fund in the USA for at least 10 years. Otherwise your sponsor is responsible for buying private medical insurance for you. This will be about $1200 a month for the two of you and it will get a lot higher as you get older. If you get a serious illness it is likely that your sponsor will face bankruptcy and if they own a home, they will lose it. There is no automatic medical insurance plan for anyone in the USA. There is no government run plan for regular medical needs. Only people over age 65 who have paid into medicare for 10 years or more can get government insurance. Welcome to the USA.
2016-05-17 08:39:33 · answer #2 · answered by ? 3 · 0⤊ 0⤋
Bummer, but it is up to the insurance companies. Seems like there must be some other reason no insurance company will take you. My best advice is to talk to a smaller, local insurance company. They sometimes will still see a person rather than a dollar sign. Big insurance companies can be great, but if for awhile you have to settle for something else, you do it. Maybe your husband can find some work that provides it?
2007-05-24 16:30:05 · answer #3 · answered by Cable Dude 3 · 0⤊ 0⤋
I think your friend gave you bad advice. In New York, and probably most states, it is against the law for insurance companies to turn you down simply on the basis of not being a citizen.
http://www.ins.state.ny.us/ogco2005/rg050420.htm
also see
https://www.mostchoice.com/health-insurance.cfm?code=188000
2007-05-24 17:32:33 · answer #4 · answered by meg 7 · 0⤊ 0⤋
Perhaps a state sponsored risk pool would be an option for you. See link.
2007-05-24 16:33:16 · answer #5 · answered by Tom K 7 · 0⤊ 0⤋
That is not true. It may be 90 days or whatever his job says it is.
2007-05-24 22:59:19 · answer #6 · answered by AveGirl 5 · 0⤊ 0⤋
You don't need to wait at all. if you have the money you have it...remember its American..money talks..
2007-05-24 16:31:34 · answer #7 · answered by xyz 6 · 1⤊ 0⤋