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Topic: Medical insurance once we move back to US  (Read 1916 times)

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Medical insurance once we move back to US
« on: July 31, 2006, 05:41:19 AM »
Hey everyone, 
 
I have tried searching and can not find an answer to my question. I hope someone can answer my question or direct me to the right place. 
 
We are in Arizona now, but are planning on moving to Scotland for 2 years starting in October. Does anyone know if insurance here will cover us once we return? What about "pre-exsisting" conditions? The reason I ask, is because my son who is 3 is in the process of being tested for a growth hormone disfunction. If he tests positive for it and we move, will he get treated by NHS? Then once we return will we be able to be covered here? The endocronogolist here said there is a possibility that we can wait 2 years for the treatment since he is so young, but I am afraid that once we return we may not get accepted. 
 
Does this make any sense? I am so tired from searching that my brain is all jumbly!! 
 
Thanks, 
Cari


Re: Medical insurance once we move back to US
« Reply #1 on: July 31, 2006, 09:30:35 AM »
If you're coming over w/an employer on a work permit, I'd ask your personnel or HR about this.  Some states have laws in place that forbid insurance coverers to deny care for new patients w/'pre-existing' conditions.

At any rate, if you are coming over for work, the employer should offer coverage upon your return - unless it needs to be negotiated as part of the transfer contract.


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Re: Medical insurance once we move back to US
« Reply #2 on: December 10, 2006, 06:17:01 PM »
I'm concerned about the same issue. What did you find out about getting coverage for pre-existing conditions once you return to the States?


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Re: Medical insurance once we move back to US
« Reply #3 on: December 10, 2006, 08:24:07 PM »
You may want to try here to see what the NICE guidelines are for growth hormone in relation to your son's condition:
http://www.nice.org.uk/search.aspx?ss=growth+hormone
It is my understanding that these are only guidelines, however.  Our daughter takes growth hormone for Prader-Willi Syndrome.   It is covered by the NHS.
I agree with expat..if the employer is bringing you over to Scotland the HR people would be the ones to ask questions to.  If the health care plan is funded by the employer (most are in the states) then the employer can choose to waive pre-existing(if there is any) when you return to the states.
I  briefly scanned this link but it may contain some useful information regarding HIPAA:
http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html



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Re: Medical insurance once we move back to US
« Reply #4 on: December 10, 2006, 08:34:32 PM »
Hello.

If you plan on eventually returning to the US, you may want to check out the forum Dive Into America.  It's specifically for people moving to the US, particularly from the UK.  Health insurance as well as most other practical, social and emotional issues are covered there. 

It's a very friendly, helpful on-line community.  Folks there can answer your questions and help you navigate through all of the red tape.

http://forum.diveintoamerica.com/
"Happiness grows at our own firesides, and is not to be picked in strangers' gardens." -
Douglas Jerrold


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Re: Medical insurance once we move back to US
« Reply #5 on: December 13, 2006, 01:29:32 AM »
I found the answer to your question (which I was wondering about, too) on Dive into America:

http://forum.diveintoamerica.com/showthread.php?t=2501

Basically, yes, NHS does count as continued coverage for when you return to the U.S. You will need a letter from the NHS, though one person said a letter from a doctor worked, and another suggested a paystub showing contributions to the system would count.


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