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What Are Your Options And How to Apply For Healthcare If You Have Dual Citizenship

Dual citizenship is now acceptable in many countries. It is, however, not encouraged by governments around the world as it poses many legal complications. For an individual, this option allows access to health and educational benefits offered in both countries, in addition to the capacity to hold public positions in either nation.

A dual citizen does not even have to show proof of his or her other nationality when applying for public offices. As a citizen of the USA, you will have the right to access affordable healthcare as outlined under the Affordable Care Act. That will require you to pay premiums through your employer or directly. In some cases, both the company and the employee make contributions to the employee’s healthcare plan. It is important to note that the USA healthcare system is far from the best in the world. Most people actually seek citizenship in other countries in order to access healthcare that is cheaper than that of the USA. As a US citizen, you will also have access to Medicare. This was created in 1965 to provide subsidized healthcare to the elderly, disabled, and unemployed persons. Such people cannot pay for their healthcare through their employers or companies as they are not in any form of employment.

Find Out When Open Enrollment Starts

Open enrollment refers to the period of the year in which citizens of the USA can access minimum health coverage without meeting the requirements for special enrollment. This usually runs for a period of the year. As a US citizen, you can take advantage of the open enrollment option. In 2017, it is scheduled to run from the start of November to mid-December. In previous years, the open enrollment period has been scheduled for longer periods. Besides open enrollment, you can take advantage of Medicaid, Short Term Health Insurance and the CHIP. Medicare is meant to cover their health requirements. Beyond the age of 65, American citizens are able to access Medicare benefits. That also applies if you suffer injuries that lead to a physical disability. If you have a child, you will be able to keep them on your Obamacare plan until they turn 26. At that point, they will have to sign up for their own independent healthcare plans.

Penalties for failing to get Health Insurance

American citizens are required to get health coverage. Otherwise, you will be required to pay a penalty. If you still fail to pay the penalty, the government will recover the funds from your tax returns. The government does not have the authority to use your income to pay the penalty for failing to get health insurance. Citizens of the USA are not required to get health coverage if they spend at least 330 days of a 12-month period outside the country. Such citizens are exempted from the penalties imposed for failing to get health insurance coverage. It is worth noting that Obamacare is not a replacement for your health insurance. It only serves to regulate health insurance in the country and to keep the citizens from being exploited by insurance companies. Aside from private for-profit health insurance, you can consider getting Medicaid or Medicare. These can work as replacements for your private health insurance. Obamacare was actually born out of the health crisis that was bankrupting many Americans.

Important Tips to Note

  • As a dual citizen covered in the health insurance marketplace, you will have to verify your information and change your plan every year on 15th December. This date can sometimes be extended. This activity is meant to ensure that your cost assistance is correct
  • If you fail to review your plan, you might be re-enrolled in a different plan if the previous one does not exist anymore
  • Your new plan will start the next year in January or after you make your first premium payment
  • When changing plans, it is important to consider changes in your life. For example, if you got a family or a new job, you may be eligible for a different cost assistance healthcare citizen plan
  • Changing your plan late is better than not changing at all. This can help you avoid high tax credits
  • It is important to always pay your monthly premiums. Ideally, you should have automatic cash transfers, otherwise, you might lose healthcare citizen coverage

The dual citizens that are coming to America are looking at insurance companies that can help them apply for a policy. There are many policies to look through, and the people are hoping to find insurance when they move to America or keep their citizenship after moving should try these steps. Each step below will create a policy that someone can pay less for, that gives them the coverage they need and cover them overseas. Ask the right questions, and check each box below before the policy is purchased.

Check Prices

Check prices before you dig deeper. You do not want to spend too much money because that will cause you to feel like you are paying for a policy that is not worth your money. You will save a lot of money on your policy if you cut out all the policies that do not seem reasonable. You can focus on the policies that are easy to pay for, and you will feel a little better about your insurance.

Coverage Overseas 

The coverage for overseas trips is the most important part of your policy. You cannot be a dual citizen without insurance of this type. You will travel back and forth during the year, and you know for a fact that you will have a health issue come up when you least expect it. The only way to solve those problems is with your health insurance. You are spending your hard-earned money on insurance that should cover you at home and abroad. The insurance companies offer policies like this, and you must look at how many areas they cover before buying.

Check The Company’s Credit Rating

The insurance company has a credit rating, and they use that credit rating to borrow money to run their business. However, a low credit rating means your premiums will be much higher than they should be. The people that are shopping for insurance should avoid companies with low credit ratings. You must choose a company with a high credit rating so that they do not pass their costs on to you.

How Long Does The Policy Last? Image result for Health Insurance For Working Dual Citizens

People who travel constantly need a policy that renews every year. You will find that you can save money on the policy fairly easily, and you get a discount because you are not renewing every six months. The company that you work with must have policies that renew in longer intervals if you want to save more money, and you must ask them if they can give you discounts based on where your dual citizenship is held.

Customer Care 

The insurance company must have a special customer care team for people like you. It is one thing to file an insurance claim if you are a normal policyholder. However, there are people who travel overseas, try to call the insurance company, and are met with people who do not understand these policies. Choose a company that will give you the best possible care when you travel. This makes your life much easier, and this will prevent you from dealing with insurance problems when you are traveling.

Report Your Policy 

You must report your policy as soon as you can so that you can get credit for having health insurance during the year. You might need to ask the company to do this on your behalf, or you could keep all your records so that you do not get confused by your tax returns at the end of the year.

What Is Your Deductible? 

The most important part of your new insurance policy might be your deductible. You must ask for the lowest deductible that you can get. The policy will cost less money if you raise your deductible, or you could take no deductible so that you can afford to have your healthcare procedures done if you are stuck overseas.

Get Travel Insurance 

There are those who travel often during the year because they have a dual citizenship, and travel insurance might be more helpful than health insurance. No one is telling you to avoid health insurance, but travel insurance will protect you if you take one big trip a year. This could be an option if you are bringing people with you who do not have a dual citizenship, or it could protect you against health care expenses in stopovers you have that are not a part of your insurance policy’s network. There are many people who must shop for healthcare insurance to use overseas, and they should look into the ways that they can save money. Review these companies, check their credit ratings, and ask them about how they offer customer care when you travel overseas. Checking all the boxes above helps you protect yourself and your family.

What Is the Background of Healthcare in America?

The Patient Protection and Affordable Act was put into place in 2010. It applies to citizens of the United States, including dual citizens. In certain circumstances, dual citizenship overrides specific statuses of international students. That means an international student with dual citizenship is not exempt from ACA regulations. The law is no more complex for a regular citizen than it is for a dual citizen.

Navigating the Marketplace

The official Healthcare.gov website is always live, so even when the current year’s enrollment is over, it still serves as a valuable source of information. New users can check dates and shop for new insurance. By checking out enrollment periods, users can put an alert on their calendars. Current citizens with healthcare can look for cheaper options, or find insurance with better specialties. It’s always a good idea to check the website once a month for news, up to date information in the health industry and any changes in plans. For dual citizens, this knowledge is essential to get the best experience.

Being Aware of State Restrictions

Health insurance for dual citizenship is different in each state. That means the laws that define them will be different in Louisiana compared to New York. The government provided programs in these states have their own set of rules but are not complicated. A major part of the differences comes from the insurance providers available, and what they cover. All of this is covered before signing up for a new plan. Dual citizens should pay close attention to the differences since it can affect their coverage in and out of state.

Health Insurance For Working Dual Citizens

Government-funded health insurance isn’t the only option available for dual citizens. Many jobs and careers have optional health plans through partners of the company. This applies to full time and some part-time jobs. Health insurance provided by a job will have different rates and plans, even if that same provider is in the marketplace. This can create confusion for some citizens when their employer’s health insurance is more expensive. The tradeoff for a lot of people is that employer’s health insurance may cover more, especially when bundling together all of the optional add-ons. Dual citizens that have years’ worth of history at a single company will fare a lot better when getting employers insurance.

How Gap Insurance Is Helpful

Short-term (also known as a gap) health insurance is always available, even when the enrollment period has passed. Gap insurance costs less than full health insurance but is not meant as a permanent replacement. There are limitations on the coverage time as well as the number of times it can be purchased per year. Gap insurance still counts against users during tax season since it is not ACA compliant, so full coverage is a necessity. In addition, some states don’t allow dual citizens to receive short-term insurance plans. Even with all of these limitations, gap insurance is a powerful tool when used in as a temporary plan.

Important Facts About Medicaid And Medicare

Medicare receives its regulations from the state level, so guidelines often change year to year. It covers older individuals 65+ in age, so keeping up with these changes is important. Medicaid is more flexible in its regulations since it is a state and federal program. If individuals meet edibility, they can hold both Medicaid and Medicare plans simultaneously. The difference can mean a lot to older users since it offsets costs of common health conditions at that age. Employees that are 65+ can use this to their benefit if they are still on their employer’s insurance. Coordination of benefits rules goes into effect when multiple insurance plans are held. That lowers the final cost of medical bills, and in some cases zeroes it out completely.

Does Healthcare Cover Cosmetic Procedures?

In a scenario where a dual citizen is injured and requires cosmetic surgery, Medicare covers certain instances. If that dual citizen has private insurance, then things can get more complex. Often accidents will require cosmetic surgery in addition to regular care. Where the accident took place is the most important part of whether insurance will cover the costs of a cosmetic procedure. A dual citizen that is injured outside of the United States will have a difficult time requesting cosmetic coverage. For regular cosmetic procedures without injury, it is decided on a case-by-case basis.

How Is Information Handled Between Different Agencies?

Certain plans work seamlessly together, like Medicare and Medicaid. However, when combining private and government health insurance, many extra steps are needed. Dual citizens are required to submit a little more paperwork to support any changes or claims. Accuracy is key, so incorrect information on paperwork will cause a delay. Getting the information correct is important to make changes/claims and for tax purposes.