Seeking Health Insurance Options for a Friend Without an SSN
Hi everyone,
I’m reaching out on behalf of a friend who is facing significant health challenges and urgently needs dialysis. Unfortunately, he has been relying on emergency room visits because he’s unsure about his health insurance options.
Here’s a brief overview of his situation:
- He is legally present in the U.S.
- His wife is in the country on an F-1 visa (student visa) and holds an SSN, while he is her dependent on an F-2 visa. They are in the process of applying for their green card.
- He currently does not have an SSN or ITIN. A lawyer advised him to refrain from obtaining an ITIN for the time being, as it may affect their green card application—though I believe getting health insurance should take priority.
- As a result, he is uninsured and has been paying significant medical costs out of pocket, which have already added up to thousands.
- He is reluctant to apply for government assistance to avoid jeopardizing his green card status.
I have a couple of questions:
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Are there private health insurance options available for him despite lacking an SSN or ITIN? He is open to paying for coverage. I’m considering reaching out to major insurers like Blue Cross or Aetna.
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Can private insurance companies deny coverage based on pre-existing conditions like kidney disease in this situation?
Any advice or insights would be greatly appreciated. Thank you!
Hi there,
I’m really sorry to hear about your friend’s situation. Navigating health insurance without an SSN can be quite challenging, but here are some suggestions regarding your questions:
Private Health Insurance Plans: While most private health insurance companies typically require an SSN or ITIN, there may be a few exceptions or alternatives. It would be a good idea for your friend to reach out to various insurers directly, as policies can differ by company and region. Some companies may allow coverage without an SSN, especially for short-term plans or international health insurance options. Additionally, look into insurance brokers who specialize in immigrant health coverage, as they might have more flexibility or know of specific plans that cater to individuals in your friend’s situation.
Pre-existing Conditions: Under the Affordable Care Act (ACA), health insurers cannot deny coverage for pre-existing conditions. However, this protection applies primarily to plans that comply with the ACA, and since your friend is looking for private insurance without an SSN, the rules may vary. Some insurers may impose waiting periods or other exclusions for pre-existing conditions, so it’s crucial to review the terms of any policy closely.
It may also be worth exploring community health clinics or non-profits that offer resources and assistance for individuals facing medical challenges but without insurance. These organizations might provide support or alternative treatment options.
Wishing your friend the best in getting the help he needs.