United States: Choosing the right pre-pregnancy health insurance plan

Pregnancy is a time of excitement for expectant parents, but also of anticipation. Healthcare in the United States is expensive, and pregnancy, childbirth, and postpartum care are no exception. It is important to get very good or even the best health insurance early on, with maximum coverage in case of pregnancy complications. And save several thousand dollars.

The exorbitant cost of pregnancy in the United States

Nearly 3.9 million women give birth in the United States each year – and giving birth in Uncle Sam’s country is very expensive. Even for those lucky enough to have the best pregnancies, the high costs of prenatal care, labor, delivery, and postpartum care can be overwhelming. Worse, 12% of women of childbearing age do not have insurance to cushion the blow of this happy event. In the United States, the cost of giving birth without adequate insurance depends largely on the state the expectant mother lives in, the cost of living, and the type of birth—vaginal or cesarean—that is performed. The average cost of an uncomplicated delivery ranges from nearly $5,000 to $11,000 for a vaginal delivery, according to data from FAIR Health. A price that easily exceeds $30,000 when you include pre- and post-pregnancy care like exams and tests. Another phenomenon is also worth considering, women are increasingly undergoing a more expensive caesarean section. Pregnant women today are 500 times more likely to have a cesarean than women who gave birth in the 1970s, and cesarean births cost $7,500 to $14,500. Health checks, tests, and complications will only add to those numbers. What to have dizziness!

Although amounts vary from state to state, insufficient or no coverage can result in out-of-pocket expenses nearly doubling during pregnancy. Hospitals typically charge significantly more for uninsured patients than patients covered by US private and public plans. Alabama has the lowest delivery costs, about $4,884 for a vaginal delivery with US insurance and $9,013 without insurance. In Alaska, at the other end of the United States, women pay around $10,681 to have a baby with insurance and $19,775 without insurance. It is therefore important for expatriates to be as well insured as possible, and with international insurance if possible.

Choosing the right insurance for pregnancy

The first question is already when to choose the best health insurance before a future pregnancy.

« With all international health insurance companies, there is a waiting period of between 10 and 24 months, depending on the insurance you choose. Sometimes maternity is not included in the guarantees. It is important to consider this aspect carefully. In our contracts we have a waiting period of 10 months. It is therefore necessary to take out insurance before becoming pregnant, ” Explain Catherine Graffinfounder of EuropeUSA. For more than 20 years, EuropUSA has been helping thousands of people migrate to the United States thanks to quality insurance, solid guarantees and key partners on American soil. And Katherine Griffin adds: ” We pay for care related to pregnancy, childbirth and follow-up care at different levels of coverage, depending on the contract chosen in American hospitals. Our overseas policyholders have access to more than 5,700 hospitals in the Americas network, benefiting from easier access to their medical care, direct payments and negotiated rates. »

But which insurance cover should you prefer before your pregnancy? ” With most of our contracts you have pregnancy insurance and with our most comprehensive contracts in terms of guarantees, you can add additional guarantees that allow you to limit the balance that you have to pay. We are also able to negotiate rates for pregnancy and childbirth coverage with American institutions to minimize the financial cost of pregnancy and childbirth. In the event of complications, we also cover 100% of the actual costs, ‘ explains Katherine Graffin.

Some emigrant wives wonder. Is it better to give birth in the United States or in France? ” The answer is personal and cannot be universal. Every person and every family encounters different personal situations. If we take into account the financial costs to minimize them, it is clear that giving birth in France is more advantageous provided you can be cared for in France, which is not always the case if you do not benefit from the international one insurance or the French social security. American insurance does not cover you if you give birth in France. If we argue in terms of medical follow-up care, France, like the United States, has some of the lowest maternal and infant mortality rates in the world, with excellent doctors and excellent medical infrastructure in both countries. So at this level there is no difference. Then there are aspects related to private life, family life and development goals that tipped one country over another. concludes Katherine Graffin.

To learn more about EuropUSA and choose your health insurance

US Health Insurance

Leave a Comment