Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

Healthcare for Maternity care in US?!

Healthcare for Maternity care in US?!

Old Aug 5th 2011, 3:56 pm
  #1  
Forum Regular
Thread Starter
 
Joined: Mar 2009
Posts: 42
JMOT is an unknown quantity at this point
Default Healthcare for Maternity care in US?!

Hi,

Bit of a complicated question this one...

We're L1a qualifying (saw immigration lawyers in London last week) but are going to wait another 9-12 months before actually applying to get it (its my own business etc etc).

However i'm 30, my partner is 36 and you can hear her clock ticking.

I've read that most PMI policies wont cover you for maternity care unless you have opted for this feature and there is a fairly lengthy time period where you cannot claim under it.

Therefore this could potentially throw a really expensive spanner in the works or delay the move to Cali by quite a while if the prospect of being faced with an insane medical bill if any complications were to arise.

From what I can gather my choices are either:

1) Dont get pregnant till US PMI covers maternity care
2) Do it all in UK on NHS then go US as planned but massively delayed
3) pay thru the nose for PMI cover as an existing "condition"??
4) Regardless of pregnant or not proceed with plans, pay the costs for PMI as you would anyway and take a punt on whether I get stung with some larger than anticipated bills if timescales mean we're not totally covered...

I'd love to know how anyone else has coped with the "starting a family" issue within the first year of moving to the US?

Thanks in advance.

Tom


on edit: its also worth noting that theres no guarantee we'll get preggers within our expected timeframes but its certainly something we need to get answers to...

Last edited by JMOT; Aug 5th 2011 at 4:01 pm. Reason: more thoughts...
JMOT is offline  
Old Aug 5th 2011, 4:34 pm
  #2  
Concierge
 
Rete's Avatar
 
Joined: Apr 2001
Posts: 44,025
Rete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond repute
Default Re: Healthcare for Maternity care in US?!

Quite honestly, if my employer wanted me to work in the US, they would be giving me the healthcare insurance rather than me having to obtain private healthcare insurance. Just a thought.

Employer offered healthcare will pay for pregnancy costs from day one. There is no waiting period that I have ever been made aware of.
Rete is offline  
Old Aug 5th 2011, 5:16 pm
  #3  
Forum Regular
Thread Starter
 
Joined: Mar 2009
Posts: 42
JMOT is an unknown quantity at this point
Default Re: Healthcare for Maternity care in US?!

Right... so it would be me buying a Group policy to cover me (plus family) as the business owner and any employee's that join...

So I guess I need to find out about group/employer policies!
JMOT is offline  
Old Aug 5th 2011, 7:04 pm
  #4  
Lost in BE Cyberspace
 
Michael's Avatar
 
Joined: Jun 2008
Location: San Francisco Bay Area
Posts: 10,678
Michael has a reputation beyond reputeMichael has a reputation beyond reputeMichael has a reputation beyond reputeMichael has a reputation beyond reputeMichael has a reputation beyond reputeMichael has a reputation beyond reputeMichael has a reputation beyond reputeMichael has a reputation beyond reputeMichael has a reputation beyond reputeMichael has a reputation beyond reputeMichael has a reputation beyond repute
Default Re: Healthcare for Maternity care in US?!

Here is a link to a summary of the health care reform act concerning small businesses.

http://www.inc.com/news/articles/201...-business.html
Michael is offline  
Old Aug 5th 2011, 8:26 pm
  #5  
Forum Regular
Thread Starter
 
Joined: Mar 2009
Posts: 42
JMOT is an unknown quantity at this point
Default Re: Healthcare for Maternity care in US?!

Originally Posted by Michael View Post
Here is a link to a summary of the health care reform act concerning small businesses.

http://www.inc.com/news/articles/201...-business.html
Thats helpful thanks.
JMOT is offline  
Old Aug 6th 2011, 8:19 pm
  #6  
Forum Regular
 
BellaE's Avatar
 
Joined: Jul 2011
Location: Philly area
Posts: 154
BellaE has a reputation beyond reputeBellaE has a reputation beyond reputeBellaE has a reputation beyond reputeBellaE has a reputation beyond reputeBellaE has a reputation beyond reputeBellaE has a reputation beyond reputeBellaE has a reputation beyond reputeBellaE has a reputation beyond reputeBellaE has a reputation beyond reputeBellaE has a reputation beyond reputeBellaE has a reputation beyond repute
Default Re: Healthcare for Maternity care in US?!

Originally Posted by JMOT View Post
Thats helpful thanks.
If you are not married, there may be additional considerations to explore: http://personalinsure.about.com/od/health/a/dp101.htm

or you could get married, of course.

Last edited by BellaE; Aug 6th 2011 at 8:20 pm. Reason: adding something obvious
BellaE is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.