Health insurance for child near epilepsy?
We are considering moving to the US for a work opportunity. However we have a 9 year old near epilepsy, currently well-managed with medication. Will we have a problem getting strength insurance? My understanding is that this will be a huge expense if we can't get him insured. From what I can ascertain, it's possible to negotiate coverage for him through the company condition plan. Is this correct? This will be the pivotal point for deciding whether or not to take the commission.
Answers:
It depends on who the insurance possessor is. Some will cover pre-existing conditions and some won't. Best idea is find out who the company insurance carrier is and telephone them directly, explain the situation and find out if they will insure your child with his epilepsy. My son 4, also has epilepsy and his medication is around $400 a month a moment ago for one medication. Fortunately my husband is military and they have to cover him. Just to let you know I used to work for Pacificare who is a big vigour insurance company here. We once had a woman whose child was denied coverage for a pre-exisiting condition. The mother raise hell and threatened to sue them and they covered him. It's amazing what the threat of a law suit can do sometimes. Good luck to you
your basically screwed if you come to the USA. OUr health strictness sucks at best. If your son already has a condition the negotiation your company was chitchat about is... yes they will let you wages out the *** for very little coverage .
it is something to ask the human resources person at the company you are supposed to be going to work for... they will have any information on strength insurance benefits... most companies will make you wait 90 days up to that time benefits start, and any care the child would need would be coming out of your pocket short any chance of being reimbursed... your constituent of the premium ranges anywhere from nothing to $450 a month for family coverage depending on the company you work for... private insurance sometimes can dance as high as $2000. a month...ask about deductibles (the amount you hold to pay before the insurance starts paying), any CAPs (the maximum amount the insurance will settle up per person...ask about any 'pre-exsisting condition clause' - if they enjoy one that means they wouldnt pay for anything relateon cloud ninepilepsy anywhere from 3 months to 1 year... ask your doctors there if the medication he/she is on right now is available within the u.s. - not all medications are available surrounded by all countries...make sure the insurance you enjoy even has a prescription plan to cover medications - not adjectives do...some have a seperate deductible and CAP....
there are alternatives for company or private condition insurance plans here are are offered by the individual states' governments that only cover children, but 1) they suck -put plain and simple - not adequate doctors take it, the waiting lists are sometimes 3-6 months for specialists (which you might obligation for epilepsy, depending on the doctor you would find - some are comfortable treating epilepsy, some will not want to deal with it and refer you to a specialist) 2) you enjoy to meet income limits - that depends on how much your company is paying and how abundant people are in your household, 3) it takes months to get the process approved. 4) they are subject to residence and citizenship status alot of times (would want to check with the state you are moving to) so I dont know what your citizenship status would be. Source(s): i know WAY too much in regard to insurance and children with chronic health issues - if you have need of more info, ring me on yahoo messenger (unimatrix_42)
I'm not sure where you are from but if you or your spouse obtain a job in the USA and the soul working is being sposored by their employer for a visa then most expected the job is in constraint and the benefits will be pretty good (by USA standards). Typically the waiting period for group (through your USA employer) medical insurance is not convertible BUT the waiting period may be very short (like first of the month after hire). Ask the recruiter or human resource soul at the employer prior to accepting the offer of employment. If the waiting period is too long or you do not perceive comfortable with any waiting period afterwards just apply for individiual coverage for your child (or whole family unit - whatever you feel you need). Depending upon the coverage you attain it can be anywhere from $350 to $500 per month for reputable insurance for ONE person (family rates are more like $8OO-1,300). But if it is short permanent status you can elect a high deductible to get the price down. Regence Blue Cross Blue Shield offer a variety of programs that are PPO (Preferred Provider Organizations) which are cheaper and more flexible than HMO's in my judgment. If you let me know which state the job is surrounded by I can do some more research for you - just shoot me an email. Thanks and good luck to you!
All of your assumptions seem correct. I would conjecture that if you have an offer from a principal US corporation/university, there would be no problem with getting coverage for the child through the company. He would be covered lower than your family policy. There are generally no exclusions for strength problems of children under a family insurance plan. You may own problems with a smaller employer or if you're a lower wage worker (I don't know how else to put that). But if you come as an executive/professor - you should be ok. I would not come without a guarantee of coverage because, as you read out, health insurance not gotten through an employer is expensive.
Check to see if the new place of employment have an insurance plan. You can speak to someone in the Human Resource office and they can afford you information on the questions you have. They are really informed on all aspects of the insurance coverage that is provided.
Related Questions:
Answers:
It depends on who the insurance possessor is. Some will cover pre-existing conditions and some won't. Best idea is find out who the company insurance carrier is and telephone them directly, explain the situation and find out if they will insure your child with his epilepsy. My son 4, also has epilepsy and his medication is around $400 a month a moment ago for one medication. Fortunately my husband is military and they have to cover him. Just to let you know I used to work for Pacificare who is a big vigour insurance company here. We once had a woman whose child was denied coverage for a pre-exisiting condition. The mother raise hell and threatened to sue them and they covered him. It's amazing what the threat of a law suit can do sometimes. Good luck to you
your basically screwed if you come to the USA. OUr health strictness sucks at best. If your son already has a condition the negotiation your company was chitchat about is... yes they will let you wages out the *** for very little coverage .
it is something to ask the human resources person at the company you are supposed to be going to work for... they will have any information on strength insurance benefits... most companies will make you wait 90 days up to that time benefits start, and any care the child would need would be coming out of your pocket short any chance of being reimbursed... your constituent of the premium ranges anywhere from nothing to $450 a month for family coverage depending on the company you work for... private insurance sometimes can dance as high as $2000. a month...ask about deductibles (the amount you hold to pay before the insurance starts paying), any CAPs (the maximum amount the insurance will settle up per person...ask about any 'pre-exsisting condition clause' - if they enjoy one that means they wouldnt pay for anything relateon cloud ninepilepsy anywhere from 3 months to 1 year... ask your doctors there if the medication he/she is on right now is available within the u.s. - not all medications are available surrounded by all countries...make sure the insurance you enjoy even has a prescription plan to cover medications - not adjectives do...some have a seperate deductible and CAP....
there are alternatives for company or private condition insurance plans here are are offered by the individual states' governments that only cover children, but 1) they suck -put plain and simple - not adequate doctors take it, the waiting lists are sometimes 3-6 months for specialists (which you might obligation for epilepsy, depending on the doctor you would find - some are comfortable treating epilepsy, some will not want to deal with it and refer you to a specialist) 2) you enjoy to meet income limits - that depends on how much your company is paying and how abundant people are in your household, 3) it takes months to get the process approved. 4) they are subject to residence and citizenship status alot of times (would want to check with the state you are moving to) so I dont know what your citizenship status would be. Source(s): i know WAY too much in regard to insurance and children with chronic health issues - if you have need of more info, ring me on yahoo messenger (unimatrix_42)
I'm not sure where you are from but if you or your spouse obtain a job in the USA and the soul working is being sposored by their employer for a visa then most expected the job is in constraint and the benefits will be pretty good (by USA standards). Typically the waiting period for group (through your USA employer) medical insurance is not convertible BUT the waiting period may be very short (like first of the month after hire). Ask the recruiter or human resource soul at the employer prior to accepting the offer of employment. If the waiting period is too long or you do not perceive comfortable with any waiting period afterwards just apply for individiual coverage for your child (or whole family unit - whatever you feel you need). Depending upon the coverage you attain it can be anywhere from $350 to $500 per month for reputable insurance for ONE person (family rates are more like $8OO-1,300). But if it is short permanent status you can elect a high deductible to get the price down. Regence Blue Cross Blue Shield offer a variety of programs that are PPO (Preferred Provider Organizations) which are cheaper and more flexible than HMO's in my judgment. If you let me know which state the job is surrounded by I can do some more research for you - just shoot me an email. Thanks and good luck to you!
All of your assumptions seem correct. I would conjecture that if you have an offer from a principal US corporation/university, there would be no problem with getting coverage for the child through the company. He would be covered lower than your family policy. There are generally no exclusions for strength problems of children under a family insurance plan. You may own problems with a smaller employer or if you're a lower wage worker (I don't know how else to put that). But if you come as an executive/professor - you should be ok. I would not come without a guarantee of coverage because, as you read out, health insurance not gotten through an employer is expensive.
Check to see if the new place of employment have an insurance plan. You can speak to someone in the Human Resource office and they can afford you information on the questions you have. They are really informed on all aspects of the insurance coverage that is provided.
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