Health Insurance for Foreign Visitors & Residents
- Moving back to Italy; when to cancel US insurance?
- Health coverage for 6 mos. for visiting parents?
- Health insurance for student's spouse arriving 4 months pregnant
I'm an Italian citizen with permanent residence status. I currently have health insurance coverage in the U.S., which I pay for ($300-400 per month). I am moving back to Italy and want to know how and when I will be legally covered in Italy. It is in my best financial interest to discontinue the expensive American health insurance plan ASAP after my return to Italian soil. How can I get reliable information about this? Any advice from fellow Italian citizens would be greatly appreciated. grazie mil
I am an Italian citizien living here in berkeley. obviously I have a private insurance and as for everybody I am constantly fighting to have my medical bill claim paid by the insurance which by the way is apparently one of the best (Blue shield of California, ppo). I would interrupt the USA coverage as soon as you go back in Italy. First, as you well know you don't need to be insured to be treated and second even if you will need in the future a private consult for which you will have to pay, I doubt your american insurance will accept to cover you. If you want to get a private insurance get an italian one that works on the territory. One of the last good resource left in our country is the avability for everyone of the medical coverage. let's enjoy till it will last!!!. have fun back home Cristiana
Hi there, My parents are coming to visit the United States. They will be staying with me for almost 6 months and they wanted to be covered Health wise in case of a major medical emergency. They don\x92t have any pre-established condition, but they are over 60 years old (60 and 64 to be exact). I\x92ve contacted all the major health insurance companies like Blue Cross, Keiser, etc\x85 but they all require a social security numbers (which, as turists my parents don't have) to provide insurance or a period of 3 month (sometimes 6 month) wait for coverage. And\x85 boy\x85 they are expensive! I ran out of options and I am hoping someone out there has a great idea or a reliable company that they could refer me to. Thanks in advance! Adriana
I work in the industry and there aren't that many short-term policies out there beyond what you described. I recently saw an analysis of short-term plans and you are basically looking at Blue Cross, Blue Shield, and Health Net. Although there are notable plan variations between them in terms of deductibles, coinsurance, and prescription drugs, there are minimal premium differentials. You can also try going to www.ehealthinsurance.om, www.temporaryinsuranceplan.com, or www.insurancesaver.com. Those are three you can trust. Blue Shield is the overall leader in the short-term market, but Health Net relaunched its QuickNet plan and is trying to make headway. I am surprised you can't find anything that will cover the full six months - I would think most would cover that time period. The ss# issue - hmmm, that will be extremely difficult to get past. The last alternative I can think of is to treat your situation by looking for ''travel insurance'' coverage and do your research based on travel or tourist coverage. Good luck! Lily
What available health insurance is there for spouse which has a green card (immigrant Visa status)? She is arriving 4th month pregnant; I understood insurance is difficult due to ''pre-existing conditions''. I understood there are some state-funded for the low-income (MediCal? Alameda alliance?), but it might be problematic for a new immigrant, esp. with existing pregnancy. I'm a PhD in UC Berkeley, with a US nationality, but their advisor offered no help at all. Thanks!! Ran
Dear Ran- As a UCB graduate student, you can purchase health insurance for your wife through University Health Services in the Tang Center: http://www.uhs.berkeley.edu/students/insurance/families.shtml You should contact UHS Insurance to find out if any of the plans have restrictions for a pre-existing pregnancy: (510) 642-5700 Good luck and congratulations! Anon