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在美国给家人买保险的问题

by JC, published: 2014-03-06 10:19 viewed: 307 times
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网友问题: 我刚来美国工作一个月不到,刚在obamacare那里登记了下保险,发现这个计划并不能cover我的太太和小孩,只能cover我一个人,因为他们没有SSN。

怎么办呢,其实我更在乎的是给小朋友买保险的,结果不能cover到我们全家,有其他的方法可以买到这样的保险吗?

我太太可能几个月后能够拿到SSN的,可是已经过了obamacare的今年登记期限了。现在我太太可能有小孩了,我们都一直不敢去医院检查,因为想等到有了保险之后再去确认是否怀孕的。

希望能得到你的答案及帮助,谢谢!

答案:

这个我也不太清楚。不过,我查了一下,有这么个说法:
"Legal permanent residents who have lived here for less than five years. Legal permanent residents with incomes up to 400 percent below the federal poverty level can qualify for subsidized health care coverage. Those who have been in the country less than five years do not qualify for Medicaid."

我的理解是,合法的永久居民(legal permanent residents),即使居住时间在5年之下的,收入比美国联邦政府贫困线低超过400%的,政府的Obamacare有补贴。 但因为居住不满5年,不能申请Medicaid.

具体到您的情况,我觉得小孩和太太只能等有了SSN后了。另外,可以看看是否有啥临时保险可以上的。 参考这篇文章 父母来美国B2探亲医疗保险在哪里买。 可以查查这个 esurance.com,他家比较了很多的保险公司,或者可以打电话问问他们有什么合适的保险的。

参考资料:
http://thinkprogress.org/immigration/2013/10/01/2708441/affordable-care-act-immigrant-types-coverage/

Although the Obama administration is attempting to reach out to as many uninsured individuals as legally possible, some immigrants will remain completely excluded while other immigrants still face eligibility restrictions for health coverage. To navigate through the varying degrees of access, here is a simple breakdown of the type of immigrants who qualify for enrollment:

Naturalized citizens and legal permanent residents who have lived here for more than five years. For naturalized citizens and green card holders who have been in the country for five years or more, they will be able to enroll in the health care program just like U.S.-born citizens. These immigrants will also qualify for Medicaid, which is income-dependent. Medicaid coverage is available to people under the age of 65 who earn up to 138 percent of the federal poverty line.

Legal permanent residents who have lived here for less than five years. Legal permanent residents with incomes up to 400 percent below the federal poverty level can qualify for subsidized health care coverage. Those who have been in the country less than five years do not qualify for Medicaid.

Refugees, asylees, immigrants exempt on humanitarian grounds. All of these individuals qualify for health insurance coverage and Medicaid, even if they have lived in the United States for less than five years.

H-1B, F-1, J-1 visas. Individuals who are on work visas, student visas, or have been in the country for less than five years are eligible to buy insurance through the health care exchange, but they do not qualify for Medicaid.

Undocumented immigrants. The 11.7 million undocumented immigrants living in the United States are ineligible for healthcare coverage. However, undocumented immigrants with social security numbers or identification cards issued by a foreign consulate can apply for private, but not state-based, health insurance, if they can afford it. In some states like California, undocumented immigrants can apply for Medicaid (or Medi-Cal), but coverage extends to emergencies, prenatal, and long-term care. The cost is funded not by federal resources, but through state funds.

Undocumented immigrants with U.S. citizen children. This group of immigrants will still be unable to enroll in the health insurance exchange, but their U.S. citizen and legal permanent resident children can qualify for health insurance coverage and Medicaid. Separately, states can choose to use state and federal Medicaid funds to cover pregnant women and other "lawfully present" children.
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