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Why year-round homeschooling?
56 minutes ago
Hi Misti and Rod,
We have questions about the health insurance system in the US which seems to be almost incomprehensible to us here in Australia.
For V's first twelve months of studying at Boston Ballet and then in New York, we bought travel insurance through our travel agent which cost us AUD$1000 and supposedly covered Victor for medical and hospital treatment anywhere in the world for 12 months. However, it cannot be extended if the traveller remains overseas for more than 12 months.
However, when he went to see a doctor in Boston he was told that he could not be seen because their particular group of hospitals would not accept patients covered by any insurance company other than the ones on a list approved by their board. For being told that he could receive no treatment, we were presented with a bill for US$350 which our insurance company wouldn't pay because he had received no treatment, so we supposedly had to pay it ourselves (actually, I'm not 100% certain that it actually got paid - I certainly have received no receipt).
So we are wondering what sort of insurance we can buy from a company there in the US that will cover him for any doctor or any hospital so that he won't be turned away if he needs medical treatment. Is there coverage we can buy for a single student that comes at a reasonable rate?
While trying to figure out health insurance companies online, it appears that he must have a Social Security Number. Yet he doesn't have a Social Security Number and cannot get one since he is not a resident of the US.
What I am most worried about is that we will pay for insurance and then have him turned away again because we bought the wrong kind.
It is hard to figure out, since here in Australia, the government covers all our treatment except for elective surgery or private hospitals. As near as I can tell there is nothing similar in the US as there seems to be no government-run hospital and medical systems.
Have you any suggestions that might help us?
Belated Christmas Blessings and our best wishes for a great 2011.
Love from P and W