Question
What is the name of your state? NY
My 15 year old step-daughter spends considerable time with her father and I in New York. However, she primarily lives and goes to school in London.
For a variety of important reasons, we would like to have her covered under our health insurance.
Is there a way to assert dual residence? Would that work?
Any ideas or advice would be appreciated.
Even if your input is that it cannot happen, I need to know that as well.What is the name of your state?
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At open enrollment time, add her to your policy if your insurer will allow it. In the meantime, call them and ask.
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A US policy will likely not cover her in London, is she eligible for their national healthcare when she is in school? It will cover her when she is in NY with you.
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I disagree with the ecmst12. I think it very unlikely that a US policy will NOT cover at least emergency care overseas. I know for certain that at least two of the biggest carriers in the US will do so.
Moburkes is correct, however, that you can almost certainly only add her to the plan at open enrollment, and probably about 50% of companies in the US just finished open enrollment a couple of weeks ago for a Monday effective date. If your employer is one of them, then you have a year wait to do so. If there is any possible way to ask your HR department about it today, I would do so.
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The company that I work for, its not until April 1st. Weird, I say.
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It CAN be any month. But the majority of companies use either January 1 or July 1 as the renewal date, and open enrollment is based on that.
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My broker contacted Oxford.
They reported that they will not cover her as her residence is not in the US.
Further, if I attempt to cover her without full disclosure, I risk loosing my whole business policy.
Is it possible to assert dual residency?
I am not concerned with her coverage in London, I want her to be able to use US healthcare for non-emergency situations in the US
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You cannot make them. However, you can APPLY for a short term individual policy, but it won't cover the most basic non emergency things. By the way, if she is going to the doc regularly in London, what reason would you need for non-emergencies to be covered, here?
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She has a potential medical problem. We would strongly prefer to have it diagnosed and treated in the US. There is every reason to expect this to be a complicated and expensive proposition.
Do you know anything about dual residency? Who could I contact to see if this would be a solutiion?
Thank you for your kind assistance.
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She has a potential medical problem. We would strongly prefer to have it diagnosed and treated in the US. There is every reason to expect this to be a complicated and expensive proposition.
Do you know anything about dual residency? Who could I contact to see if this would be a solutiion?
Thank you for your kind assistance.
I don't know about that, however, that probably will not be covered by the insurance. There is the problem of creditable coverage. They won't cover appointments, treatments, prescriptions for at least 1 year. I'm sure you don't want to wait that long for her medical problem to be treated.
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I should have specified that a US policy won't cover NON EMERGENCY care overseas, most policies will cover emergencies anywhere.
Pre-existing limitations may not exist on this policy and even if they do, they only exclude conditions that the person has been diagnosed with or treated for previously; if this is something she's never had investigated before, then it won't be an issue.
Obviously you don't want to try to cover her under false premesis, that's fraud and *could* theoretically get you in bigger trouble then just losing the policy. Can you try another carrier?
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I should have specified that a US policy won't cover NON EMERGENCY care overseas, most policies will cover emergencies anywhere.
Pre-existing limitations may not exist on this policy and even if they do, they only exclude conditions that the person has been diagnosed with or treated for previously; if this is something she's never had investigated before, then it won't be an issue.
Obviously you don't want to try to cover her under false premesis, that's fraud and *could* theoretically get you in bigger trouble then just losing the policy. Can you try another carrier?
You think that their daughter hasn't been treated for this condition, but this mom KNOWS that daughter has a "potential" medical problem. I can't imagine knowing that my child has a potential medical problem that she has not even had a doctor look at. Are you KIDDING me?
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That's what it sounded like from the post. People do all sorts of stupid things all the time (plus if the condition is not potentially life threatening, it may not even be that stupid). My former roommate waited over 6 months after noticing that his testicle was the size of a grapefruit before going to the doctor because he was waiting for his insurance to kick in. The delay in treatment caused the cancer to spread into his lungs and him to need several major surgeries and a year of chemo.....but it wasn't a pre-existing condition. Think it was worth it?
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That's what it sounded like from the post. People do all sorts of stupid things all the time (plus if the condition is not potentially life threatening, it may not even be that stupid). My former roommate waited over 6 months after noticing that his testicle was the size of a grapefruit before going to the doctor because he was waiting for his insurance to kick in. The delay in treatment caused the cancer to spread into his lungs and him to need several major surgeries and a year of chemo.....but it wasn't a pre-existing condition. Think it was worth it?
I might do the same thing-because I don't have insurance, either. But, my older daughter doesn't have it either, and I would NEVER not get her seen, because of our lack of insurance. I guess it depends upon your point of view. I would take a "risk" with my health, that I would NEVER take with my child's.
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And of course, in the middle of your bashing the EU Medical community, you never once thought of getting her a policy with Allianz which has coverage throughout the world