Maternity or pregnancy insurance plans for travelers

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 the students will have to be aware that they will be responsible for a portion of all costs. Also note that unless their wife is the J1 visa holder they will have to be the primary on the policy and the wife (with J2) will be secondary.

Also note that prices are DIFFERENT for the primary and the spouse, so when students quote the prices, quote them for two people at the same time since the cost will be MUCH HIGHER for the wife's coverage. There are five policies that cover maternity at an 80% coverage without a set limit on benefits. Here is the list in order of their approximate cost. Note that conception has to occur after the start of the plan and most plans ask that students must let them know at least three months before the delivery date.

• Study USA Preferred Covers 80% of eligible expenses, after the deductible, up to $15,000 inside network and Usual, reasonable, and customary up to $15,000. You may be responsible for any charges exceeding the payable amount for out of network.
• Study USA Platinum Covers 80% of eligible expenses, after the deductible, up to $25,000 inside network and Usual, reasonable, and customary up to $25,000. You may be responsible for any charges exceeding the payable amount for out of network.
• Student Secure Elite, Select and Smart plans also cover at 80/70% to the maximum of the plan. The Select plan can be purchased with a $300k maximum, Smart plan can be purchased with a $250k maximum and the Elite can be purchased with $500k.
• 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