Hey , im currently living in the Uk where my health care is free from the nhs. I'm currently thinking about moving to the usa, one of the main things that is stopping me from coming over is health insurance , ive never had to get health insurance before and to be honest im finding it really confusing. how much is the average policy? and how easy is it for your insurance company to approve drugs? Im currently on tysabri and have a port a cath so I'm pretty worried that I won't be able to have the medication im used to.
thankyou in advance for any help <3
emma, there is rumor about eliminating insurance coverage for pre existing conditions. There is also talk about getting the prices for drugs reduced. I even heard that healthcare providers are telling patients to go to Mexico for their drugs. Americans pay the most for drugs, than any other country.
Insurance premiums depend on your age and medical history. You can call the MS Society in the UK and speak with someone about what your choices may be. They would have a link to info more reliable than our experiences. We here at age 65 become eligible for medicare which is a government sponsored healthcare. Also, disabled individuals can get disability insurance if they worked(in the usa). I cant imagine what you would have to pay coming from another country. It is an interesting question, if you can, let us know what you learn, thank you and best wishes, maria
Also, will you have employment here? There is also employer funded insurance but it may be six months before you are eligible.
I believe that as long as you have coverage and don't let a lapse in coverage ae get a policy before coming or go to Canada same insurance for now and then you should be ok but double check
This is Steve with the National MS Society.
Here is a link to the government healthcare exchange. The cost of a policy will depend on where you decide to live. You can use this site or contact the toll-free number on this site for more specific information on what your options are.
I hope this is helpful. Take care!
The USA is a huge country. Saying you're moving to the USA is like saying you're moving to Europe. Do you have a specific place picked out? It matters. Some of the larger cities have world class healthcare providers. The rural town I lived in for about 15 years did not. It really makes a difference in quality of life for a person with MS. Do some research and know what is available to you before you settle on a place.