{"id":4175,"date":"2015-07-08T07:21:36","date_gmt":"2015-07-08T11:21:36","guid":{"rendered":"http:\/\/www.internationalstudentinsurance.com\/blog\/?p=4175"},"modified":"2020-09-30T13:42:37","modified_gmt":"2020-09-30T17:42:37","slug":"im-pregnant-can-i-get-insurance","status":"publish","type":"post","link":"https:\/\/www.internationalstudentinsurance.com\/blog\/2015\/07\/im-pregnant-can-i-get-insurance.html","title":{"rendered":"I\u2019m Pregnant! Can I Get Insurance?"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright\"><img decoding=\"async\" src=\"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-content\/uploads\/2015\/07\/Maternity-Insurance.jpg\" alt=\"\"\/><\/figure><\/div>\n\n\n\n<p>Expecting a child is an exciting time, but it also requires you to start realistically looking at your finances. Having a baby inside the Unites States can be very costly and the fees start even before childbirth, and continue through to delivery and after care. Delivering a child inside the US, for example, can cost anywhere from $3,000- $11,000 on average \u2013 and that is not taking into consideration complications. If you\u2019re visiting or studying inside the United States and find out you\u2019re pregnant, check your health insurance plan to confirm if it covers the maternity care you need.<\/p>\n\n\n\n<p class=\"has-text-align-right\"><a href=\"https:\/\/www.internationalstudentinsurance.com\/student-health-insurance\/?utm_source=isi_blog\">Check the Student Secure plan that offers maternity coverage <i class=\"fa fa-arrow-right\"><\/i><\/a><\/p>\n\n\n\n<p>If your current health insurance plan does not cover maternity related expenses, or you have no current coverage in place your options will be severely limited. The option of purchasing a plan that includes maternity coverage while pregnant will not be available in most cases. However, it will depend on your situation, location and insurance plan in question.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><em>What options do you have? Let\u2019s take a look!<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Health Insurance Options:<\/strong><\/h2>\n\n\n\n<p>As a general rule of thumb, nearly all insurance plans that offer some form of maternity coverage require that you are not pregnant when your plan starts. If you are, then either they will not cover you or they will simply exclude coverage for all maternity-related expenses. However, there are a few options that remain:<\/p>\n\n\n\n<div class=\"accordion\" id=\"accordionExample\">\n  <div class=\"card\">\n    <div class=\"card-header\" id=\"headingOne\">\n      <h2 class=\"mb-0\">\n        <button class=\"btn btn-link\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapseOne\" aria-expanded=\"true\" aria-controls=\"collapseOne\">\n          Travel Medical Insurance\n        <\/button>\n      <\/h2>\n    <\/div>\n\n    <div id=\"collapseOne\" class=\"collapse show\" aria-labelledby=\"headingOne\" data-parent=\"#accordionExample\">\n      <div class=\"card-body\">\n        If you will be inside the United States for a short period of time while pregnant, there are some <a href=\"http:\/\/www.internationalstudentinsurance.com\/travel-medical-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">travel medical insurance plans<\/a> that will provide coverage for complications due to pregnancy. While this is not full maternity coverage, it will cover you in the event that your pregnancy causes a medical emergency. Keep in mind that plans with this benefit will often have a timeframe in which this benefit can be used so make sure to review your policy details.<\/p>\n<div style=\"text-align:center\">\n<a href=\u201chttps:\/\/www.internationalstudentinsurance.com\/travel-medical-insurance\/?utm_source=isi_blog\u201d class=\"btn btn-primary\">Get a quote<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n   <div class=\"card\">\n    <div class=\"card-header\" id=\"headingTwo\">\n      <h2 class=\"mb-0\">\n        <button class=\"btn btn-link collapsed\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapseTwo\" aria-expanded=\"false\" aria-controls=\"collapseTwo\">\n          ACA Compliant Plans\n        <\/button>\n      <\/h2>\n    <\/div>\n    <div id=\"collapseTwo\" class=\"collapse\" aria-labelledby=\"headingTwo\" data-parent=\"#accordionExample\">\n      <div class=\"card-body\">\n        ACA compliant insurance plans do not exclude pre-existing conditions (and pregnancies fall in this category). This means that if you\u2019re already pregnant and you\u2019re eligible, you\u2019ll be able to receive maternity coverage with an ACA compliant plan. Keep in mind that your status as an international visitor along with the requirements of each state will vary. You will need to check the <a href=\"https:\/\/www.healthcare.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\">Health Insurance Marketplace<\/a> during open enrollment (November 1- January 31) or see if you qualify for a special enrollment period.\n      <\/div>\n    <\/div>\n  <\/div>\n  <div class=\"card\">\n    <div class=\"card-header\" id=\"headingThree\">\n      <h2 class=\"mb-0\">\n        <button class=\"btn btn-link collapsed\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapseThree\" aria-expanded=\"false\" aria-controls=\"collapseThree\">\n          Treatment Options Without Insurance\n        <\/button>\n      <\/h2>\n    <\/div>\n    <div id=\"collapseThree\" class=\"collapse\" aria-labelledby=\"headingThree\" data-parent=\"#accordionExample\">\n      <div class=\"card-body\">\n       If you\u2019re not able to obtain an insurance plan that covers your maternity expenses, here are a few options that can help ease the pain of high maternity bills.\n      <\/div>\n    <\/div>\n  <\/div>\n  <div class=\"card\">\n    <div class=\"card-header\" id=\"headingFour\">\n      <h2 class=\"mb-0\">\n        <button class=\"btn btn-link collapsed\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapseFour\" aria-expanded=\"false\" aria-controls=\"collapseFour\">\n          Birthing Center or Midwife\n        <\/button>\n      <\/h2>\n    <\/div>\n    <div id=\"collapseFour\" class=\"collapse\" aria-labelledby=\"headingFour\" data-parent=\"#accordionExample\">\n      <div class=\"card-body\">\n       Birthing centers are equipped to handle low-risk births, and have the capability to transfer mothers to a hospital in the event of complications. Birthing centers typically focus on natural births, without the use of doctors or epidurals. The cost of delivery at birth centers is typically between $3,000-$4,000.\n      <\/div>\n    <\/div>\n  <\/div>\n  <div class=\"card\">\n    <div class=\"card-header\" id=\"headingFive\">\n      <h2 class=\"mb-0\">\n        <button class=\"btn btn-link collapsed\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapseFive\" aria-expanded=\"false\" aria-controls=\"collapseFive\">\n          Payment Plans\n        <\/button>\n      <\/h2>\n    <\/div>\n    <div id=\"collapseFive\" class=\"collapse\" aria-labelledby=\"headingFive\" data-parent=\"#accordionExample\">\n      <div class=\"card-body\">\n       If you\u2019re set on seeking care at a hospital, it might still be an option- just keep in mind that your medical costs will add up quickly. If you have a cesarean or run into any complications it could quickly add up to almost $45,000. The good news is that many hospitals will allow you to set up payment plans and negotiate the cost. Prior to delivery, make sure you call local hospitals and doctors to compare prices and confirm if they\u2019re able to arrange affordable payment plans.\n      <\/div>\n    <\/div>\n  <\/div>\n  <div class=\"card\">\n    <div class=\"card-header\" id=\"headingFive\">\n      <h2 class=\"mb-0\">\n        <button class=\"btn btn-link collapsed\" type=\"button\" data-toggle=\"collapse\" data-target=\"#collapseSix\" aria-expanded=\"false\" aria-controls=\"collapseSix\">\n          Going Home\n        <\/button>\n      <\/h2>\n    <\/div>\n    <div id=\"collapseSix\" class=\"collapse\" aria-labelledby=\"headingSix\" data-parent=\"#accordionExample\">\n      <div class=\"card-body\">\n       Although it will bring your international activities to a halt, you should also explore the option of going home. Since the US is the most expensive country for medical care, this can save you money, especially if you have a national healthcare program back home. Consider the options above and contact your international student\/scholar advisor to explore nearby options. If you\u2019re unable to find an affordable maternity plan, consider placing your trip on hold, returning home to have your child, and returning to the US in the future.\n      <\/div>\n    <\/div>\n  <\/div>\n  \n<\/div>\n\n\n\n<br><\/br>\n<p>If you are interested in getting a health plan that includes maternity benefits, we offer two plans that have some coverage for maternity, as long as you are not pregnant before the plan\u2019s effective date.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright size-large is-resized\"><a href=\"https:\/\/www.internationalstudentinsurance.com\/student-health-insurance\/?utm_source=isi_blog\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-content\/uploads\/2015\/05\/student-health-a.png\" alt=\"Student Health Isnruance\" class=\"wp-image-4106\" width=\"78\" height=\"78\"\/><\/a><\/figure><\/div>\n\n\n\n<p>1. <strong>Student Secure:<\/strong> this plan only covers maternity on the levels: Budget, Select and Elite.<\/p>\n\n\n\n<p><div style=\"text-align:center\">\n<a href=\u201chttps:\/\/www.internationalstudentinsurance.com\/student-health-insurance\/?utm_source=isi_blog\u201d class=\"btn btn-primary\">Learn more<\/a><\/p>\n\n\n\n<p class=\"has-text-align-left\">2. <strong>Student Health Advantage: <\/strong>this plan only covers maternity on the Platinum level:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignright size-large is-resized\"><a href=\"https:\/\/www.internationalstudentinsurance.com\/student-health-advantage\/?utm_source=isi_blog\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/cdn.internationalstudentinsurance.com\/assets\/ISI\/images\/plan-icons\/student-health-advantage.png\" alt=\"Student Health Advantage\" class=\"wp-image-4106\" width=\"75\" height=\"75\"><\/a><\/figure><\/div>\n\n\n\n<div style=\"text-align:center\">\n<a href=\u201chttps:\/\/www.internationalstudentinsurance.com\/student-health-advantage\/?utm_source=isi_blog\u201d class=\"btn btn-primary\">Learn more<\/a>\n<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Expecting a child is an exciting time, but it also requires you to start realistically looking at your finances. Having a baby inside the Unites States can be very costly and the fees start even before childbirth, and continue through to delivery and after care. Delivering a child inside the US, for example, can cost [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[99],"tags":[1226,701],"class_list":["post-4175","post","type-post","status-publish","format-standard","hentry","category-student-insurance","tag-im-pregnant-can-i-get-insurance","tag-maternity-insurance"],"_links":{"self":[{"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/4175","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=4175"}],"version-history":[{"count":7,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/4175\/revisions"}],"predecessor-version":[{"id":6902,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/4175\/revisions\/6902"}],"wp:attachment":[{"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=4175"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=4175"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=4175"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}