Can i obtain maternity insurance in the USA
Pacific Prime can provide comprehensive international maternity health insurance options to expatriates located around the world. Policies which we are able to offer will typically afford you international portability of your plan, allow you to choose where you receive your medical treatment with any doctor or hospital in the world, and will usually be guaranteed renewable for life. Expat health insurance policies which we provide will normally be able to offer you a range of extended benefits and may include coverage for In-patient and Out-patient treatment, Specialist consultations, Maternity coverage, Dental treatment, Alternative therapies, and Emergency Evacuation.
It is important to note that many insurance companies will place a waiting period on a number of coverage benefits. This is primarily to ensure that new policyholders do not claim for pre-existing medical conditions. Plan benefits which will normally be attached to a waiting period will typically include maternity and dental coverage. Under a maternity waiting period you will need to have purchased a global health insurance policy and been enrolled on the plan for at least 10 months before being able to claim for any maternity related treatment.
Please be advised that the waiting period imposed on Maternity coverage will vary with the insurance company. In some cases the waiting period may be as short as 10 months from the start of the policy, in which case you will be eligible to claim for maternity related medical expenses after you have been enrolled in the policy for 10 months. It is not uncommon, however, for an insurance company to place a waiting period on the time until conception – which may be as much as 12 months from the start of the plan. Under this type of waiting period you will need to wait until the limit has expired before you may conceive a child and have the medical expenses covered under your policy.
If you are already pregnant and wish to obtain coverage for your unborn child, this may be possible. In some cases an insurance company may offer “New Born Child” coverage to give you peace-of-mind that your child’s health will be protected once they are born. New Born Child coverage will, like a maternity benefit, typically come attached to a waiting period. However, the waiting period for a New Born Child benefit is usually much shorter than that associated with a Maternity Benefit, and in some cases may be as low as 6 months from the start of a plan.
Typically there are two options available with a New Born Child benefit – you may either receive a “free benefit” under the policy, or elect to have the child “born into the plan” in which you are currently enrolled. If you elect to go with the “free benefit” then your child will be covered up to a predetermined time or financial limit free of charge. However, once the limit on the “free benefit” has been reached you must submit an application to the insurance company requesting continuing coverage for your child.
Having your child “Born into the plan” will guarantee them continuing healthcare coverage for life, no matter what the state of their health at birth. This gives you slightly more security than a “free benefit” knowing that should your child be born with any congenital birth defects that they will have the protection and care that they need. If you elect to have your child “born into the plan” it is important to note that you should expect a policy premium increase.
Expatriate medical insurance plans offered by Pacific Prime Insurance Brokers will afford you coverage anywhere in the world. This gives you the security knowing that no matter where in the world you may be located, your health and the health of your loved ones is in safe hands. For more information about the comprehensive maternity health insurance options in USA, or to receive a free quote, please contact us today.
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