Hi,
I am pregnant and have been accepted for a course in the USA to study. My delivery date is expected during the middle of my course, and I cannot find any insurance company to cover my pregnancy.
a. Do you know any insurance company that would cover me?
b. How much is the average cost of antenatal and normal delivery?
c. Any advice on what to do?
2006-07-11 23:36:20 · 11 answers · asked by originalwhale 2 in Pregnancy & Parenting ➔ Pregnancy
I am not in need for the US citizenship for my child, as I am a british national. I am just intersted in continuing my education and get good health care service.
2006-07-12 00:13:19 · update #1
We do not need health insurance in England. All people get free and appropriate health care service.
2006-07-12 04:05:57 · update #2
Try going to the site below they check some 140 carriers for you. I would also contact your representatives/consulate before leaving home to see what other women do, I am sure you are not the first in this situation :)
The average cost for a birth in the USA depends on where you are. I am in Florida. If I didn't have insurance and had a normal noncomplicated birth the breakdown would be as follows:
OB/GYN $2700-$3300 depending on natural birth or c-section
Hospital $6000-15000 depending on length of stay (c-section is 3 day minimum)
On Call Pediatritian $1000
Epidural $500
Lab work $1000
Ultrasound $200 each
Baby Supplies (including crib) $1000 (many of those items you may already have or can get from home)
That is just a basic estimate. You can also look into going to a natural birth center or using a midwife, that can be more reasonable and cut way back on the doctor bills. One drawback, and epidural is often not an option with them.
There is a law in the US (called HIPPA) that insurance companies cannot use pregnancy as a pre-existing cause and deny you for it, but I am not sure how it works since you are not a citizen. It seems that you should be covered under the same law, as you are a guest in our Country. Also, if you go to an ER in active labor, the hospital is not allowed to refuse you service because you do not have insurance, no ifs, ands or butts!
Please try not to be insulted by the folks who have answered that you won't pay and should have the baby in your Country, I guarantee this type of thing happens a lot, and there are many citizens of the US that go to other Countries to have babies, not just the rich and famous like the so called Jolie/Pitt baby.
This is a great opportunity for you and you have made it very clear you are looking for insurance, not a free ride. Some people answer in a hasty manner, don't take it personally. I found your question to be more of a how can I be proactive to be sure I am receiving good medical attention while advancing my own education and not dumping my bills on another Country. You have every right to be here, the timing is just making it harder for you than most, but you can get through it.
Good luck, I really hope this helps you...the last thing you need is to be stressed out by doctor bills right now.
2006-07-12 01:11:24 · answer #1 · answered by barefeet561 5 · 3⤊ 0⤋
You should stay home in your country and have the baby. At least there y ou have social medicine to take care of you. If you do come to the States....check yourself in to any hospital emergency they can not turn you away. Think about it....how are they going to collect $$$ from you if you're from a different country?
The average cost of a delivery with out any complications could run anywhere from $5,000.00-15,000.00 and I'm being very low with the low end.
There are NO insurance companies I know of in the US that will cover you because you have a pre-exiting condition.
2006-07-11 23:45:59 · answer #2 · answered by aunt_beeaa 5 · 0⤊ 0⤋
The hospitals here in the US aren't gonna deny u services because u can't afford it they still have 2 deliver the baby, however @ the x of ur registration if u don't have insurance or u can't afford any insurance they will have u fill out some paper wk and try 2 get u Health Insurance.
2006-07-11 23:42:18 · answer #3 · answered by shortyb5 2 · 0⤊ 0⤋
Do you have medical insurance in the country where you live now? If so, I'd put your travels/education on hold until after your baby is born, assuming your due date is near.
2006-07-12 02:24:33 · answer #4 · answered by brevejunkie 7 · 0⤊ 0⤋
Many US companies probably won't cover you b/c you are not a citizen of the US, and you are already pregnant. The company will lose more money than they will make from you. It's all about numbers.
2006-07-11 23:40:23 · answer #5 · answered by Lynda C 3 · 0⤊ 0⤋
I wouldn't insure a foreigner that is already pregnant either. They have absolutely no idea if you have costly medical needs and don't owe it to you to find out.
2006-07-11 23:40:00 · answer #6 · answered by ? 6 · 0⤊ 0⤋
I know the answer to b- about $20,000USD to give birth and to have your child in the nursery (not more than 48 hours)
2006-07-11 23:42:16 · answer #7 · answered by Grace 3 · 0⤊ 0⤋
Hmmm....this wouldn't have anything to do with your kid becoming a U.S. citizen would it. We don't want to pay for your health care. Stay in your own country.
2006-07-11 23:40:15 · answer #8 · answered by The Oregon Kid 3 · 0⤊ 0⤋
Advice/ Have your baby in your own country and don't expect our country to be so willing to pay for it. Geeze!
2006-07-11 23:44:42 · answer #9 · answered by ? 3 · 0⤊ 0⤋
I dont know what to tell you at this point in time.
2006-07-11 23:41:05 · answer #10 · answered by Baby Girl 1 · 0⤊ 0⤋