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 :

1. PATRIOT EXCHANGE plan from International Medical Group (IMG):

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Hi,
I’m a J1 visa holder and need an insurance plan that satisfies j1 visa requirements. Please suggest a plan that will cover maternity also without any waiting period. And if I get an insurance which is for max of one year, then I get pregnant for example on the fourth month I will still have insurance for eight months. Then when the year ends and I need to re-apply for another one year, but I will be 8 month pregnant and will the insurer accept me to reply with my pregnancy (which will look like pre-existing condition for the second year)?
Thanks,
Nalan

Dear Nalan,
The Liaison Student should be perfect. This is how the Liaison Student plan covers pregnancy -
"This covers eligible expenses incurred before, during, and after the delivery of the child, including physician, hospital, laboratory, and ultrasound services. Inpatient postpartum stay will be covered for the length of stay recommended by the American Academy of Pediatrics and the American College of Obstetricians and Gynecologists. The plan participant, eligible spouse or their representative must notify us within the first 90 days of the pregnancy. Failure to notify us will result in a 25% reduction in benefits. Eligible expenses are covered if the pregnancy
1) is not the result of in vitro fertilization
2) occurred after the coverage start date
3) occurred to a plan participant or their eligible spouse."

Note they pay only 80% or 60% in plans H or I. The pregnancy will be covered if you keep the same insurance in the second year because it is a covered pregnancy. You would not be able to change companies and get it covered.
Liaison Student Plus
Please let us know in case of any further help!

Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910

Hi,
Im a j1 visa student. Im originally from philippines. I am currently pregnant. Can i get a financial assistance for my free pregnant check up and giving birth?
Thanks,
Arianne

Dear Arianne,
Thank you for contacting us at American Visitor Insurance for your J1 visa Insurance needs!
We have insurance 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 Study USA 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?

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