J1 Visa Insurance for Maternity Coverage

Hello,
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

Dear 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:

Patriot Exchange Student Insurance ^IMG

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:

StudentSecure Insurance ^WorldTrips
This plan covers 80% within the US PPO network and Usual, reasonable, and customary charges for eligible expenses, up to the overall maximum limit out of the PPO network.

Student Health Advantage Insurance ^IMG
This plan covers 80% within the US PPO network and Usual, reasonable, and customary charges for eligible expenses, up to the overall maximum limit out of the PPO network.

The global plan that provides maternity coverage are

Global Medical Platinum Insurance ^IMG
This plan covers 80% within the US PPO network and Usual, reasonable, and customary charges for eligible expenses, up to the overall maximum limit out of the PPO network.

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

Hi,
I'm a j1 visa student. I am originally from philippines. I am currently pregnant. Can i get a financial assistance for my free pregnant check up and giving birth to baby in US while on j1 visa?
Thanks,
Arianne

Dear Arianne,
Thank you for contacting us at American Visitor Insurance for your J1 visa Insurance needs!
We have best maternity insurance Philippines 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

Hello,
I think the plan that would suit our needs the most would be Geoblue Navigator for Student 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

Dear Jean-Philippe,
Thank you for your email. The Geoblue Navigator for student 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