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.
Many visitors to the US may need US visitor insurance for pregnancy coverage. There are a few visitor plans and some student medical insurance plans which work well for potential mothers. Note that for student plans, often the student (F1) must be the primary insured; (coverage is not always available for a dependent spouse).
Our global health plans (which have long term coverage) provide excellent maternity coverage for non US citizens in the US or out, as well as for US citizens who reside outside the US and wish to have international health coverage. You can browse different options below and review the plan details on our product pages.
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