Emigrating to U.S with my condition

[themalteser]

Hi folks,

Here's another question. My wife and myself been thinking about emigrating to the US for quite some time, we've got all qualifications necessarily to apply for the skilled migrants visa. I'm originally from Malta, live in UK, and my wife is English. I've got some uncles living in Longisland NY, and would be nice to emigrate there.

My issue is my condition , as per my profile, BAV with Ao Root enlargement. Would This be an issue if I apply or I'm exxagerating my condition here? And I know how different is your health services, if Visa is not an issue, will insurance be an issue for me?

Cheers.

 

[kfay]

I don't think it would be an issue for you to immigrate with your condition since our gov't doesn't pay for our healthcare. Obtaining insurance MAY become an issue, depending on what type of job you find. Since most of our insurance here is supplied through our employers, assuming you find a good job with benefits, and you've obviously been covered by the NHS, they would have to take you and give you coverage. However, if you don't find a job that offers insurance, I think it will be almost impossible for you to find private coverage. Also, let's say it takes you 6 months to find a job, and during that time you are uninsured, once you find a job, the insurance doesn't have to cover any pre-existing conditions for 6 months. This last one may have changed with the new "Obamacare" laws, but I'm not sure!

Good luck!

 

[CATDOG]

It could be difficult to get insurance. One of you would need to get a job with an employer that offered insurance without a pre-existing conditions clause.
My family was prevously denied insurance in my hubby's name because he has eye problems. We had to re-apply for the policy in my name. (It cost more than our mortgage every month.) Fortunately my dr had never used any codes back then with the insurance companies to indicate any serious problems. That ship has sailed now, and if I didn't now have insurance through my job, I don't think I could get any without a dangerously long period of no insurance first, and then more pre-existing condition waiting periods. I don't think enough health insurances improvements have happened yet here.

 

[Luana]

I've had pre-existing conditions all of my adult life and have never had a problem getting on to a group health insurance plan through an employer. There is no medical review for such plans.

On the other hand, there is no way I would be approved for an individual plan, one I purchase and pay in full for myself, as these applications are subject to medical review and I know I would be declined.

There is an exception, if you're HIPAA-eligible, and I've posted about it on this forum here; however, that's something you would not be eligible for.

As long as you do not have a break of more than 63 days in coverage, the new group plan from your employer must accept you and your pre-existing conditions. Longer than that, there may be a 90-day waiting period for treatment related to your pre-existing condition(s).

If you have a job in place when you get here, I doubt if you'll have any problems. If you don't, well, our economy isn't doing all that great when it comes to jobs right now, and it may take you several months to be hired. A lot depends on where in the US you hope to settle. Some areas are doing much better than others. In California, unemployment rates, are pretty high.

With passage of the new healthcare legislation, the PPACA, there are some high-risk pools that you would be eligible for; however, some have a limited number of people they can take on and most all have high deductibles, and a fair amount of out-of-pocket expenses. A plan through an employer would almost always offer far better coverage.