KevinfromKinsaleviaNYC
2/8/2017 11:53 EST
So I just got a quote from Cigna for a global policy that covers me while living in Ireland as well as when traveling back to the US for a period not to exceed 90 days per year.
I am a 60 year old single male with no preexisting conditions.
They quoted me a monthly premium of $796 for their cheapest "Global Silver" plan. This plan includes coverage for inpatient and outpatient services, medical evacuation, annual checkups, prescriptions, vision and dental.
They could not tell me whether this plan meets the requirements of INIS for Stamp 0. Also, they told me that pre-existing conditions may not necessarily be covered.
Premium was way higher than I expected. Any thoughts or alternatives? I am happy to share more detail if requested privately.
Kevin
Post a Reply
 0 0 abuse
|
|
dave8408e
2/8/2017 13:08 EST
$800 a MONTH? A MONTH? Wow... I might suggest contacting an Irish insurance broker, or getting a quote online from Aviva (Irish Health Life) or others. I don't pay much more than that for a YEAR'S coverage. (Don't think it covers US healthcare, but there seems to be a policy to cover every contingency available). My insurance also covers care in other countries if equivalent care is not available in Ireland. (Thinking France for me) As far as what INIS wants in the way of coverage -- well, INIS, as is their way, has never published what they expect you to buy.... I hope they clear that issue up 'some day' when they reveal their new, long awaited revisions to Stamp 0 qualifications....
Post a Reply
 0 0 abuse
|
|
|
|
KevinfromKinsaleviaNYC
2/8/2017 13:11 EST
Just got another quote from GeoBlue for their Xplorer Expat coverage. Looks similar or the same coverage as Cigna. The cheapest premium was $772 per month which requires a 5,000 annual deductible for hospitalization, emergency treatment or seeing a specialist.
Also, this insurance does not meet the Affordable Care Act requirements so there will be a penalty per the ACA.
Post a Reply
00abuse
|
|
KevinfromKinsaleviaNYC
2/8/2017 13:40 EST
From the Policy Document on Non-EEA Family Reunification which is one rare example of a well written immigration policy, "Elderly dependent relatives must be covered by private medical cover at or above the level of VHI plan D or equivalent.
In the absence of any other written guidelines for retirees this might be he best standard to use:
http://www.irishhealthinsurance.ie/products-vhi/PlanD.pdf
Post a Reply
00abuse
|
|
Meachair54
2/8/2017 20:26 EST
Hello , Kevinfromkinsalevianyc ,
Did you try PacificPrime.com, then select country. There is at least a dozen groups that offer decent coverage for a reasonable price, they don't cover the U.S. But if you are only in Ire. For three months at a time can't you still keep your coverage from NYC. Just a thought
Post a Reply
00abuse
|
|
KevinfromKinsaleviaNYC
2/8/2017 21:01 EST
Yes, Meachair, I can keep US coverage if I am primarily a US resident. But my goal is to become a permanent resident of Ireland or UK or Portugal or some other country that will accept me so ideally I would like overseas coverage that also covers US. Maybe my strategy should be to buy Irish only coverage and then add travel coverage? Not sure but would appreciate any thoughts.
Post a Reply
00abuse
|
|
|
|
Meachair54
2/8/2017 21:55 EST
Hello KevinfromKinsalevia NYC
Did you go to PacificPrime.com , that site has dozens of health groups that cover almost every country in Europe and definitely the countries you mentioned,they are also a lot cheaper than what your previous post said . Unless you are looking for the best coverage possible.all of these groups also offer travel coverage.
I can't really help you ,only you know the ins outs of what you want need or can afford , but for the time being what you suggested about travel insurance sounds like the most doable for now while you find a permanent solution.
In my situation I can use tricare ins. While in Europe and still use it in the U.S. With my Medicare back in the U.S..,so good luck and best to you in whatever decision you make.
Post a Reply
00abuse
|
|
KevinfromKinsaleviaNYC
2/9/2017 15:58 EST
Finally got a quote that seems reasonable although far from ideal.
Irish Life Health (formed following the acquisition of Aviva Health along with Irish Life acquiring 100% ownership of GloHealth) quoted a policy that they believe will meet the requirements for Stamp 0. This policy offers hospital coverage at both public and private hospitals for a premium of €2,357 per year or €196 per month.
There is coverage outside of Ireland for only 30 days so there is a wide gap that I will need to fill with something else. Don't think travel health insurance will completely close the gap however so that remains for me a big problem.
Interestingly, the premium quoted included a 52% add-on penalty (Lifetime Community Rating Loadings calculated at 2% for every year the insured is over the age of 34) since I was not insured in Ireland as of May 1, 2015. The fact that I was insured in the US is apparently irrelevant to this penalty.
Also need to prove no pre-existing conditions for past 5 years.
I will start looking at some of the policies mentioned by Meachair and try to report back when I have something to share.
Post a Reply
00abuse
|
|
|
|
