Author Topic: Recommendations for CSI companies  (Read 818 times)

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Offline Nan D.

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Re: Recommendations for CSI companies
« Reply #15 on: January 14, 2017, 04:58:38 PM »
Plan to.  What we were finding in the UK (which won't let us purchase until we're living there) was about 50 to 60 pounds.  Right now she is through with school and not working, so she has no private insurance and is relying on Medicaid here. (Which is one step up from a butcher and really only useful for emergency care and hospitalization. It would take months for her to get in to see a GP on it.) A comparable private policy for her otherwise here would cost in the $600per month range. So, we're probably going to go with GeoBlue, which does have an option for short-term cover in the USA and then if we find something better once we are there, we'll drop it and purchase the better cover there. Not to worry, I'm a penny-pincher at heart, and do try to check all the angles.  We also have the Affordable Care Act to worry about - until she's out of the country for a year she will have to show she's covered by a US Govmt approved plan or pay a fine. Of course, if she doesn't find any work, that fine is not applicable (loophole in the ACA - if you are so low income that the premiums for healthcare would be a burden, you are exempt).  While she's here she's on Medicaid, which fulfills the requirement, but it does not cover if you don't live in your home state. So....   Nothing is ever as simple as it seems.  ::)
« Last Edit: January 14, 2017, 05:10:56 PM by Nan D. »

Offline Nan D.

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Re: Recommendations for CSI companies
« Reply #16 on: January 18, 2017, 08:49:50 PM »
Ok, I checked with the government of Scotland about using the NHS or not, even with the required CSI. This is their response:

"Comprehensive Sickness Insurance is a requirement under European legislation: Directive 2004/38/EC. However, state healthcare in Scotland, the National Health Service (NHS), is funded from general taxation and is a residency based system.  Therefore a person’s right to receive NHS treatment and services at no charge is determined by their legal right to be in the country; their reason(s) to be here; and the length of their stay.
 
As you are exercising an EU treaty right to take up residency in Scotland...there is nothing to prevent you both from registering with a general practitioner (GP) to receive NHS primary medical services at no charge, although registration decisions are for GP practices.  It is the GP that would refer you to hospital or specialist NHS services if that was necessary - again, based on the information you have provided, such treatment would be provided at no charge.
 
When registering with a GP the practice will wish to see proof that you are an EEA national; for you to confirm that you are exercising your EU treaty right to reside in Scotland; to see your daughter’s EEA Family Permit...."
 
Etc.

So that answers one of my burning questions.  ;D

And unfortunately, GeoBlue doesn't meet ACA standards. But if she's not working, she's exempt from it anyway. So.... Several companies in the UK that I contacted won't discuss cover until we live there. One says she'd have to have lived in the UK and been assigned to a GP for at least a year before they'd discuss cover. At least I'm weeding 'em out!
 
« Last Edit: January 18, 2017, 08:51:41 PM by Nan D. »

Offline Nan D.

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Re: Recommendations for CSI companies
« Reply #17 on: March 18, 2017, 09:24:18 AM »
Ah, but there's the loophole on ACA standards. She's too poor to have to have coverage.

No, really, it's bizarre. If you are low-income enough to not qualify for a government subsidy to purchase insurance (and have no employer coverage), the ACA does not apply. Until they dismantle the ACA, one can receive Medicaid at no cost, which will get you seen in the emergency room, but not a lot more.

So, GeoBlue it is, I guess. Until we've been there a couple of months, then there is a student insurance policy that is quite good. After we've been there six months to a year, the in-country plans should be available to her.  This has been so bizarre.

Six weeks left.