Hi James88, good luck with your upcoming adjustment of status interview, I'm sure everything will go fine!
I know I'm getting a bit ahead of myself but I have been wondering for a while what to do about getting health insurance for when I first move over and get settled. I would really appreciate any advice you may have with what is the best way to go?
Cheers
Well, there's been quite a few changes with Obamacare going in to effect soon. Some states are setting up "exchanges" which will basically be web sites where you can shop for your insurance based on the care you need. You will need to familiarize yourself with American insurance terms.... a "co-pay" is the equivalent of the "gap" you pay out of pocket at the docket. A "deductible" is the amount you pay out of pocket before your insurance starts paying, the Australian term for it would be "excess". Plans also have "lifetime caps" (ie- the maximum a plan pays over your lifetime, then you have to foot the rest of the bill), but Obamacare will be getting rid of lifetime caps, thank goodness! So when you know what state you're moving to, Google your state's exchange. I think the exchanges go live in October. If your state is not setting up an exchange, that state uses the federal government exchange.
Also, there's plans that are PPOs and HMOs. PPOs generally cost more, but generally you can see any doctor and specialist in your "network" without a referral. With a HMO, you must first see your nominated doctor and then be referred to specialists.
Make sure you read the fine print of insurance plans, and might be best to keep to well-known providers (some of the well known ones are Signa, Aetna, United, Anthem Blue Cross, Kaiser).
I arrived here on an F-1 student visa, so it was mandatory for me to buy my school's health insurance (although I'm now covered by my spouse's employer plan). My school insurance is really cheap (around $800 for the year) and includes doctor visits, any tests, prescriptions and any hospital visits I need. If you're strapped for cash, it may be worth looking at health plans for students through local community colleges, and enrolling in a unit or two just for the health insurance.
AND... make sure you bring your Medicare card from Australia with you!!! Many insurance plans here have a 6-month pre-existing condition clause, where they won't cover pre-existing conditions for the first 6 months of coverage.... However, this is usually waived if you can show you had prior health insurance.... and my insurance company accepted a copy of my Australian passport and Medicare card as evidence of prior coverage.