J1 Visa Insurance for Maternity Coverage

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Maternity Coverage Insurance forum

01.  Student health insurance with Maternity Coverage for Dependents
questionHi,
I’m looking for maternity for my wife.

Thank you,
Madhur

questionDear Madhur,

Students and scholars on F or J visas have the best coverage for maternity coverage. However, the benefits have been reduced a few years ago such that the best coverage is 80% coverage of costs, so please be aware that you will be responsible for a portion of all costs. Also note that unless your wife is the J1 visa holder YOU will have to be the primary on the policy and she (with J2) will be secondary. Also note that prices are DIFFERENT for the primary and the spouse, so when you quote the prices, quote them for two people at the same time since the cost will be MUCH HIGHER for your wife's coverage.

There are five policies that cover maternity at an 80% coverage without a set limit on benefits. I will list them in order of their approximate cost. Note that conception has to occur after the start of the plan and most plans ask that you let them know at least three months before your delivery date.

Study USA Pref 300 and Pref 500 both cover maternity at a 80/70% (in network/out of network). Conception has to occur after the start of this plan. This plan will be about $133 for the Elite plan.To get details for Study USA, , please visit the below links


Student Secure Secure Elite, Seletc and Budget plans also cover at 80/70% to the maximum of the plan. The Select plan can be purchased with a $300k maximum, Budget plan can be purchased with a $250k maximum and the Elite can be purchased with $500k.The Elite plan will cost $375 per month, Select about $220 and Budget about $95. To view all information on the insurance, use below links:
Student Secure Insurance

Student Health Advantage Platinum has a $5000 maximum limit to maternity and newborn care coverage. It has a $1 million maximum and a $35 deductible and covers at 80/60%. The plan also covers pre-existing conditions with a 6 month waiting period. This plan will cost about $314 per month.
Student Health Advantage Insurance

We are an agency and we work with 8 different insurance companies to give our clients as great a variety of plans as we can to get the coverage they need. Do let us know if we can assist you any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910
02. J2 Insurance options with pregnancy and maternity coverage

questionHello,
We are a family of four. The kids ages is 1.5 and 4 years. We are in New York because my husband is a post-doc at Mount Sinai. We arrived from Denmark (our homecountry) june 1 2017 on J1 and J2 visa. My husband is paid from Denmark and therefor we also have a medical insurance from Denmark.
Now we would like to have another child. Our current insurance dosen't cover pregnancies before 10 months into the program (we have been here in 5).
Can you provide us with a medical insurance thats covers medical expenses during pregnancies? I'm not pregnant yet.
Thanks,
Kathrine

questionDear Kathrine,
Thank you for contacting us at American Visitor Insurance for your J2 visa Insurance needs!
The plans that cover pregnancy and maternity are Global plans and Student plans. Student plans satisfy the J1 Visa requirements and are available for both J1 and J2 visa holders and their dependents.
In the case where J2 visa holder alone needs insurance and J1 visa holder is covered by an insurance already, the plan that covers J2 visa holder alone as primary and provides coverage for children as dependents is :

1. PATRIOT EXCHANGE plan from International Medical Group (IMG):

Patriot Exchange student Insurance

The other student plans that we have meet the J Visa requirements and they also have maternity and pregnancy coverage but they are available only if the J1 holder is on the plan as primary. Here are the plans:

1. STUDY USA from Travel Insurance Services:
This plan covers 80% within the US PPO network and 70% in the US out of the PPO network.
Student Secure Insurance

2. STUDENT HEALTH ADVANTAGE from International Medical Group (IMG):
This plan is available in 2 kinds: Standard and Platinum
Maternity and newborn care coverage is available in the Student Health Advantage Platinum plan. This plan covers 80% in the US within the PPO network and 60% in the US out of the PPO network.
Student Health Advantage Insurance

The global plan that provides maternity coverage is:

1. GLOBAL MEDICAL PLATINUM from International Medical Group (IMG):
This plan provides maternity coverage only after 10 months of continuous coverage of the plan.
Global Medical Platinum Insurance

You are eligible to purchase this plan but this plan does not satisfy the J Visa requirements. If you are ok to buy this plan with this restriction like a general Non US citizen then you are eligible for it. Please check with your spouse and University about this.

Please let us know if we can help you in any further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910
03. Maternity Coverage for J1 visa holder without any waiting period

questionHi,
I’m a J1 visa holder and need an insurance plan that satisfies j1 visa requirements. Please suggest a plan that will cover maternity also without any waiting period. And if I get an insurance which is for max of one year, then I get pregnant for example on the fourth month I will still have insurance for eight months. Then when the year ends and I need to re-apply for another one year, but I will be 8 month pregnant and will the insurer accept me to reply with my pregnancy (which will look like pre-existing condition for the second year)?
Thanks,
Nalan

questionDear Nalan,
The Liaison Student should be perfect. This is how the Liaison Student plan covers pregnancy -
"This covers eligible expenses incurred before, during, and after the delivery of the child, including physician, hospital, laboratory, and ultrasound services. Inpatient postpartum stay will be covered for the length of stay recommended by the American Academy of Pediatrics and the American College of Obstetricians and Gynecologists. The plan participant, eligible spouse or their representative must notify us within the first 90 days of the pregnancy. Failure to notify us will result in a 25% reduction in benefits. Eligible expenses are covered if the pregnancy
1) is not the result of in vitro fertilization
2) occurred after the coverage start date
3) occurred to a plan participant or their eligible spouse."

Note they pay only 80% or 60% in plans H or I. The pregnancy will be covered if you keep the same insurance in the second year because it is a covered pregnancy. You would not be able to change companies and get it covered.
Liaison Student Plus
Please let us know in case of any further help!

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

04. Maternity Coverage for J1 visa holder

questionHi,
Im a j1 visa student. Im originally from philippines. I am currently pregnant. Can i get a financial assistance for my free pregnant check up and giving birth?
Thanks,
Arianne

questionDear Arianne,
Thank you for contacting us at American Visitor Insurance for your J1 visa Insurance needs!
We have insurance that covers J Visa holders. It would be nice to know the destination country that you will be traveling to? Our plans do not cover an existing pregnancy. There is a waiting period for that to be covered.
But here are our plans for people with J1 Visa visiting US : J1 Visa Insurance

Please let us know if we can help further.

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

05. Maternity coverage option for J Visa holders

questionHello,
I think the plan that would suit our needs the most would be Study USA but we live in NY City right now.
However, my sister lives in Jersey City, NJ. So, do you think we could give her address to be covered by the plan? If it is mandatory that prenatal care treatment and delivery are done in the address' state, Chloe could be followed by a Gynecologist in Jersey City and deliver there. Tell us if that could work, that would be great!
If this works, I still have a few question before subscribing:
I see in the plan description that routine nursery care is covered for $750. What if the baby as a problem a few days after delivery and it cost $20,000? Would we be covered? What is included in the 'routine nursery care'?
I see in the plan description that covered maternity care expenses are:

  • Usual, reasonable and customary charges. What does it mean?
  • As our visa ends on June 30th, 2017, if Chloe doesn't get pregnant by the end of september, we would like to stop the insurance. Will it be possible?
  • What would be the cost of the "Preferred Plan"?
  • Finally, we are on J-1 and J-2 visas but I am a trainee, not a student. Will the plan work?
I am sorry for all these questions but we would like to be sure of what we do before paying unexpected expensive cost!

Thank you very much for your help.
Jean

questionDear Jean-Philippe,
Thank you for your email. The Study USA plan has restriction with people purchasing the plan if they are physically located in the state of New York at the time of the purchase.
I just spoke to your wife and she told me that you are visiting your sister in New Jersey this weekend. This is perfect, you yourself can then buy the insurance plan with your New York city address since you are no longer physically" located in NY state at the time of the purchase.
On the application after you enter you NY City address, just answer "NO" to the pop up question and proceed with the application.
Please note this will not affect your coverage at all. And this plan works anywhere in the US.

Regards,
Please let us know if we can help you better.

www.americanvisitorinsurance.com
Customer care
877 340 7910

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Maternity coverage - Frequently asked questions

01. What is the best health insurance for visitors to USA?

There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance. A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs.

02. Why is travel insurance for USA so expensive?

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs.

One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

03. How to buy travel insurance ? How to find the best international travel health insurance ?

There are many international travel health insurance plans for coverage both in the USA as well as around the world offered by US insurance providers. Given the several travel insurance international options, it can be confusing to find the best health insurance for international travel for your needs. What is very useful in making this decision is to compare travel insurance USA of different companies.

The travel insurance comparison allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage required, the international traveler insurance deductible, any international travel health insurance plans with coverage for pre-existing ailments, travel insurance international coverage for Covid19 ... The global travel insurance comparison also allows travelers to buy the best travel insurance based on ones needs by completing an online application and paying using a credt card. One completing the purchase the travel insurance plan is emailed to the customer.

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Forum Entries x
  1. Visitors Insurance Forum
    1. Travel Insurance
    2. US citizens visiting USA
    3. US citizens travelling outside USA
    4. Pre Existing Conditions
    5. Coverage for Australians
    6. Senior Citizens
    7. Family
    8. Maternity
    9. Atlas Travel Policy
    10. Patriot Travel Policy
    11. Travel Medical Policy
    12. How an insurance plan works?
    13. FAQs Forum
  2. Student Insurance Forum
    1. Student Secure Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Student Health Advantage
    5. OPT Insurance
    6. F2 Visa Insurance
  3. Adventure Sports Coverage
    1. Motorcross Coverage
  4. J1 Visa Insurance Forum
    1. J2 Visa Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Family
    5. Maternity
    6. Evacuation-Repatriation Insurance
    7. University Insurance
  5. H1/H4 Visa Insurance Forum
  6. K1 Visa Insurance Forum
  7. International Health Insurance Forum
  8. Green Card Holders
  9. Schengen Visa Insurance Forum
  10. Insurance Cancellation Forum
  11. Insurance Clarification Forum
    1. Buying Insurance
    2. Coverage
    3. Renewal
  12. Direct Billing & Claims Forum
  13. Safe Travel Forum
  14. Visitor Insurance FAQs
  15. Visitor Insurance Blogs

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