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Student Plans - Maternity insurance plans for Students

Study USA Insurance plans offered by Travel Insure are options which allow a spouse on the policy with no limitation on the maximum for the spouse. The plans are Study USA (SUSA for short) Standard, Study USA Preferred 300, and Study USA Preferred 500. Note that the Basic plan does NOT cover maternity at all. The SUSA Standard has a maximum of $200k, SUSA Pref 300 is $300k and SUSA Pref 500 is $500k.

The maternity coverage on this plan is 80% in network and URC out of network inside the US but 100% outside the US to the overall maximum limit of the plan. Study USA Standard will cost about $77 per month for a 25 yr old, the Preferred 300 plan will cost $100, and the Preferred 500 plan is $113.

However a spouse of the same age on the plan will be an additional $463 on the SUSA plan, $469 on Preferred 300, and $440 per month on the Preferred 500. Unfortunately, they charge more for dependent than the primary on the policy. However, the person holding the F1 visa must be primary on the policy since they are the full-time student and the spouse only qualifies as a dependent on the policy.

Seven Corners recently revamped their Liaison Student Insurance plans. These plans can cover students and their dependents. Conception must occur no sooner than 180 days after coverage begins and you must notify the insurance company within the first 90 days of the pregnancy or they will reduce your benefit by 25%. There are plans and coverage differs between their use outside the US and inside the US.

Another student plan which covers maternity is the Student Secure Insurance offered by WorldTrips. This plan has NO coverage for dependents or spouses, so this can only be purchased for an F1 visa holder. This plan comes in several levels: Elite, Select, Budget and Smart. The Smart level has no maternity coverage. The Budget level only covers up to $5,000. The Select plan covers up to $10,000 and the Elite up to $25,000. The cost per month for a 25 year old will be $87 for the Budget plan, $201 for the Student Secure plan, and $338 for a Student Secure Elite plan.

Non-Student Plans - International Maternity Insurance for Visitors and Travelers

For the INF plans which cover maternity, conception must occur after the start of the plan.

INF Premier insurance is a fixed plan which must be purchased for at least 3 months. The plan with $100,000 maximum will cover up to $5,000 for childbirth while the $150,000 maximum plan will cover up to $5500. This plan also offers “full” coverage for pre-existing conditions which has a separate deductible of $1000 or $5000.

The following prices are for a policy deductible of $250. The plan with a $100,000 maximum and $1000 pre-ex deductible will cost about $79 per month while the $150,000 policy will cost $89 per month.

INF Standard is another fixed plan offered by INF. It does not cover pre-existing conditions at all, but has coverage for pregnancy and childbirth in the amount of $4,500 for the plan with $50,000 maximum, $5000 for the plan with the $100,000 maximum and $5,500 for the plan with the $150,000 maximum. This plan with a $250 deductible will cost about $47 for the $50k max policy, $61 for the $100k max policy, or $68 for the $150,000 max policy.

International Long-Term Plans

Long-Term insurance plans are ones that you sign up for a year at a time. You can choose, at the time of purchase, to pay monthly, semi-annually, bi-annually or annually. The cost is slightly less to purchase maternity insurance USA plans annually (that is, with a single payment per year). These plans, unlike short-term or student plan, are not guaranteed, so an extensive application must be submitted to the company's underwriting. They can do several things with an application. They can:

1. accept the application (ideally),
2. deny the application, or
3. accept the application,but add riders to exclude coverage of certain conditions or additional premium to have coverage of certain medical conditions.

In any case, you have 10 days after their acceptance to cancel your application for a full refund. Any additional riders will have to be signed by you in order to accept the policy with their additional conditions. The applications ask extensive medical questions of your entire medical history, so be prepared for that to take some time and have as much information on hand before you start the application.

Also, they may ask for a check up by your primary care physician and/or your medical records. You will have to sign a waiver to allow them access to your medical records given the laws surrounding the protection of this information. A great advantage of these plans is that after you are accepted on them, you are guaranteed coverage year after year, usually up to a maximum age. The only increase in cost will be due to your changing age and increases in cost in health care; so your rates don't go up of you get sick or are diagnosed with a condition.

The best coverage we have for maternity coverage is offered by Global Medical Platinum which has a 10 month wait period for maternity coverage. That means, that conception cannot occur until you are 10 months or more into the plan. This plan is not guaranteed and an application must go through underwriting.

Starting the 10th month of the policy, it will cover URC (usual, reasonable, and customary) charges relating to a pregnancy as any other illness with a $50,000 maximum lifetime maximum and an additional $2,500 deductible. This plan will cost about $268 per month for a 25 yr old with a $1000 deductible.

Pregnancy and traveling during Pandemic

Traveling amidst the coronavirus pandemic brings immense sense of panic and mental stress for travelers. There is wide spread of the new Omicron and Delta variants of the Coronavirus across the globe which is more dangerous than the previous variants. For travelers who are pregnant women need to be extra careful and take all precautionary measures.

There are many limitations for pregnant women and the type of coverage that they might be offered by the US insurance provider. However pregnant women can get a Covid -19 travel insurance cover. and be rest assured to get coronavirus coverage whether the illness is through Omicron and Delta variant.

Well, that's it, folks! That summarizes the coverage for pregnancy that we offer for students and visitors both coming to the US and traveling abroad. Whatever your plans, we wish you well and hope you have found this article useful! Do check out some answers to the queries about maternity coverage options asked by our customers which may be similar to yours. Thanks for letting me think happy spring thoughts through the dreariness of winter!

As ever, we wish you safe and healthy travels!