Can I buy American maternity insurance for my children in America?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

1. Can I buy American insurance after pregnancy?

Pregnant mothers who are pregnant for more than three months and do not live in the United States and have no social security number cannot buy maternity medical insurance in the United States, and no insurance company will accept your application. So are pregnant mothers clear?

Therefore, if the pregnant mother is not in the United States, she can buy maternity insurance in the United States. There must be something wrong. She was cheated. Pregnant mothers must be vigilant.

Second, how can I qualify to buy maternity insurance in the United States?

Maternity medical insurance can only be purchased if the mother lives in the United States before pregnancy or enters the United States three months before pregnancy. Of course, if the mother has a legal long-term residence visa in the United States, such as H- 1, she can apply for a social security number.

Third, can I buy insurance in China?

It is understood that at present, some insurance companies in China provide hospitalization insurance, such as hospitalization or surgery for major diseases, which is paid. Only the content of claims is subject to the regulations of relevant insurance companies, and whether overseas medical claims are included. You need to ask the domestic insurance company intermediary whether there are relevant insurance products to choose from. Youbao is not an insurance intermediary and can't answer all your questions.

In America, a country where users pay, insurance is not cheap. Unless you have a job in the United States and enjoy the insurance benefits provided by your employer, the monthly insurance premium ranges from 300 to 500 dollars. The annual insurance premium alone is several thousand dollars, plus the out-of-pocket payment after production, which is about 1000 dollars (depending on the situation), which can't really save you money! We Youbao used H- 1 visa to apply for a baby certificate for a pregnant mother. She used commercial insurance. She was born in Herman Southwest Hospital with pregnant women in Youbao Ziyue Club. She is the same obstetrician. After calculation, she actually spent more premiums and cash than our pregnant mother paid in cash.

In fact, according to years of experience in giving birth in the United States, it is generally useless for our pregnant mothers to buy commercial insurance. Most of them are younger mothers who have done enough health checks in China before going to the United States to give birth. They must decide to have children in the United States when both adults and babies are healthy, so the probability of accidents in the United States is very, very low. Under normal circumstances, if the baby is born in Houston, if it is paid in cash, the hospitalization fee for natural delivery is $4,000 and that for caesarean section is $6,000; The doctor's fee is about 3000 yuan, which most mothers can afford. Therefore, Youbao Confucius Club has always felt that the significance of buying insurance is not too great.

Of course, for the elderly and twin mothers, in order to prevent the high medical expenses of the baby, Youbao suggested that you can buy an insurance!

Of course, different people have different opinions. On the basis of years of experience, Youbao Confucius Club also provides some opinions and suggestions for mothers with children in the United States to buy insurance, hoping to have reference value for mothers!

Finally, mothers should be reminded that if they maliciously apply for public medical resources from local MEDI medical institutions, such as MEDI California Hospital in Texas. It will affect whether you can re-enter the United States in the future, and it will also affect your future immigration application. The gain is outweighed by the loss. Mothers, please don't do this!