When you’re studying internationally, choosing the right insurance plan can be daunting. You want to make sure you’re covered in case you need to seek medical attention. If you are a woman studying internationally or if your wife is traveling with you while you study internationally, maternity coverage may or may not be on your mind. Pregnancies can occur, planned or not, and health care for it can be expensive. Maternity benefits are an important part of a comprehensive international student insurance plan.
A typical pregnancy includes prenatal care, delivery, and postnatal care with a doctor to ensure a healthy baby and mother. Prenatal care includes visits and check-ups with the doctor before the baby is born. It includes ultrasounds and other tests to make sure the baby is developing in a healthy way. If your pregnancy is considered high-risk because of your age or health conditions, you may require more frequent visits and special care. You may also need to see a doctor who works with high-risk pregnancies. Without insurance, prenatal care alone typically costs around $2,000 or more in the USA.
The delivery of a baby includes a hospital stay which can vary in length depending on the type of birth and complications, and is the most expensive portion of the pregnancy. Delivery can range in cost from around $3,000 for uncomplicated vaginal births, around $5,000 for cesarean, to over $7,000 for complicated births. Postnatal care lasts six to eight weeks after the birth and ensures the physical and emotional health of the mother and baby.
All of these expenses add up fast and if your insurance plan does not include maternity coverage you might find yourself in a tight spot. Additionally, most insurance plans will not cover a pregnancy if you become pregnant before your policy becomes effective – so think ahead! Our Major Medical plan – the Global Medical – has an optional maternity rider that you can add to your policy for an additional annual premium. This plan, however, does have a 12-month waiting period before you can receive full maternity benefits.
Maternity coverage is one of many important considerations when choosing your insurance plan. For more information, please visit our Insurance Explained section or contact our friendly customer service representatives.
Blog Updated on 9/21/18: https://teksural.info/blog/2018/09/maternity-coverage-for-international-students.html