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  #1 (permalink)  
Old 03-05-2010, 07:28 PM
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Default Insurance for pregnancy :confused:

Hi,

My sister in law will come to US using H4 visa, the problem is the health insurance does not want to cover her pregnancy since the pregnancy is already 6 months.

Any idea how to get insurance for her ?

Really appreciate your help ..

Regards.
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  #2 (permalink)  
Old 03-05-2010, 07:30 PM
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Default Insurance for pregnancy

btw her location will be @ Portland, Oregon.

Regards


Quote:
Originally Posted by bbenhill View Post
Hi,

My sister in law will come to US using H4 visa, the problem is the health insurance does not want to cover her pregnancy since the pregnancy is already 6 months.

Any idea how to get insurance for her ?

Really appreciate your help ..

Regards.
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  #3 (permalink)  
Old 03-05-2010, 07:58 PM
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Default need to wait

Wait for obamacare to pass !!

Quote:
Originally Posted by bbenhill View Post
btw her location will be @ Portland, Oregon.

Regards
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  #4 (permalink)  
Old 03-05-2010, 08:08 PM
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Default Talk

Talk with hospitals in your area. May be $10K for the expense, if you didn't find any insurance to cover the pre-existing condition.
Spend it to get a US citizen child or save that money and make delivery happen in India.

Quote:
Originally Posted by bbenhill View Post
btw her location will be @ Portland, Oregon.

Regards
__________________
Proud to be Indian and American resident.
GREEN CARD APPROVED IN EB2
I am not a lawyer. This is my personal opinion.
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  #5 (permalink)  
Old 03-05-2010, 08:25 PM
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usually employment based insurance cover pre-existing condition
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  #6 (permalink)  
Old 03-05-2010, 08:26 PM
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Default

Quote:
Originally Posted by bbenhill View Post
Hi,

My sister in law will come to US using H4 visa, the problem is the health insurance does not want to cover her pregnancy since the pregnancy is already 6 months.

Any idea how to get insurance for her ?

Really appreciate your help ..

Regards.
Yup, unfortunately, pregnancy is considered to be a pre-existing condition which is automatically disqualified by most insurers. Obama's healthcare would remove this sickening clause, but until then your options are (1) keep trying until you find an insurer willing to pay for the expenses or (2) fund it out of your own pocket or (3) deliver the baby in your home country.

I would go for #1 or #2.
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  #7 (permalink)  
Old 03-05-2010, 08:38 PM
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Group insurance through an employer will not treat pregnancy as pre-existing. If group insurance is not available for this person, lookout for discount plans. Try in other states as well not just Oregon.
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  #8 (permalink)  
Old 03-07-2010, 12:53 PM
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Default Do not worry!

This is not a big issue. Find out from local hospitals how much they charge for all delivery options and sign a contract with a hospital most convenient to you. They normally would accept monthly payments through the child birth. Also discuss post-birth mother and child health checks and shots. I would first look for an University Hospital in the area.

Quote:
Originally Posted by bbenhill View Post
Hi,

My sister in law will come to US using H4 visa, the problem is the health insurance does not want to cover her pregnancy since the pregnancy is already 6 months.

Any idea how to get insurance for her ?

Really appreciate your help ..

Regards.
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  #9 (permalink)  
Old 03-07-2010, 03:00 PM
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Default She will be OK

Quote:
Originally Posted by bbenhill View Post
Hi,

My sister in law will come to US using H4 visa, the problem is the health insurance does not want to cover her pregnancy since the pregnancy is already 6 months.

Any idea how to get insurance for her ?

Really appreciate your help ..

Regards.
* Coming as H4 --> So, assuming to join a H1 or equivalent.
* Spouse must be covered by his employer.
* As soon as she arrives, she can be included in his insurance (most insurances allow open window throughout the year for new arrivals into the country)
* Pregnancy is NOT as pre-existing condition in group insurances. It is LAW.

Relax.
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  #10 (permalink)  
Old 03-11-2010, 01:32 PM
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Default

Hi, For some reason, their employment based insurance rejected their pregnancy coverage. Do you have a link that show that pregnancy is NOT a pre-existing condition in group insurances (Law website or any links?)

her pregnancy is sometime around 6 months now and they will need insurance..

Thx for your help





Quote:
Originally Posted by ivgclive View Post
* Coming as H4 --> So, assuming to join a H1 or equivalent.
* Spouse must be covered by his employer.
* As soon as she arrives, she can be included in his insurance (most insurances allow open window throughout the year for new arrivals into the country)
* Pregnancy is NOT as pre-existing condition in group insurances. It is LAW.

Relax.
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  #11 (permalink)  
Old 03-11-2010, 02:05 PM
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Default Here is the link

Quote:
Originally Posted by bbenhill View Post
Hi, For some reason, their employment based insurance rejected their pregnancy coverage. Do you have a link that show that pregnancy is NOT a pre-existing condition in group insurances (Law website or any links?)

her pregnancy is sometime around 6 months now and they will need insurance..

Thx for your help
Frequently Asked Questions about Portability of Health Coverage and HIPAA

Find out the reason why that "Employment Insurance" rejected the coverage.

My wife was enrolled into my employment-insurance only at 7th month (2006), she did not have 'pregnancy' coverage in her previous insurance. She was covered fully (from 7th month, I paid for the scanning, blood test etc, which was a total of around $1500 till then) for my second son.

Other options are expensive, will cost at least 10K-12K if you want to pay out of your pocket.
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  #12 (permalink)  
Old 03-11-2010, 04:01 PM
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Default

Thank you sooo much .. this link will help me a lot .. I guess I can knowtry to push their insurance



Quote:
Originally Posted by ivgclive View Post
Frequently Asked Questions about Portability of Health Coverage and HIPAA

Find out the reason why that "Employment Insurance" rejected the coverage.

My wife was enrolled into my employment-insurance only at 7th month (2006), she did not have 'pregnancy' coverage in her previous insurance. She was covered fully (from 7th month, I paid for the scanning, blood test etc, which was a total of around $1500 till then) for my second son.

Other options are expensive, will cost at least 10K-12K if you want to pay out of your pocket.
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Old 03-11-2010, 08:07 PM
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please do report the outcome.
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