Britsimon
Super Moderator
My Case Number AS12XXX Mumbai
Title: Moving to the US with children having hypotonia - Need advice!
Hi everyone,
My husband has a DV Lottery visa to move to the US, but we're unsure about what's best for our family. Our two daughters (6 years old) have hypotonia, which affects their muscle tone and requires frequent hospitalizations. My husband will work as a data annotator in the US with a salary of $30-35k per annum.
Should we:
1. Move to the US as a family or separately?
2. How will our daughters' healthcare needs be addressed in the US? Our elder daughter's condition worsens during winter, leading to health complications.
3. We don't have the required $30,000 to show as savings at the embassy. What are our options?
Any advice or guidance would be greatly appreciated!
Any detailed advice or guidance would be greatly appreciated!
Thank you for taking the time to read our story and offer your insights.
You have asked me similar questions a number of times on my blog. That probably means that you are fearful of the move to the USA, perhaps you and your spouse don't agree on what is nest.
Let me add some thoughts to what I have said before.
1. $35K isn't a "good" salary anywhere in the USA. Average household income in the USA is about $75K, so if you cannot work then your husband will probably need to increase his income. Just a quick search suggests your estimate is lower than the average for this type of job, but maybe you are talking about a low cost area. It is likely that you will need to increase the income somehow (second job etc)
2. You will need to buy excellent healthcare insurance. You are certainly going to spend money on copays and will want an insurance plan with the lowest deductible possible. Such a plan will not be inexpensive, and will represent a significant chunk of your income, even with an employer paid plan (as they often will cover the employee but you must pay the additional amounts to add on coverage for the family. Incidentally - to explain what these things are, copays are small charges you pay for each doctors visit, typically in the $20 to $50 range. A deductible is an amount that you pay (often hundreds, or perhaps thousands per year) before the insurance kicks in. Less expensive insurance plans tend to have higher deductibles (because you assume that health events will be infrequent). So - because you know you will be seeing the doctor you will need to select a low copay and low deductible plan.
I suspect you will have to weigh these things against the bigger picture. It won't be easy to move to America. You might struggle financially, and perhaps you will not have such good support network of family and friends. So you have to ask yourself why you would do that? Is there a better life for your children here? Is it safer here? Those sorts of questions are the ones you should ask yourself comparing the future to your future in your home country.