New Jersey health insurance for pregnancy

A: Normally a person coming into the US who is not pregnant would use the "Inbound Immigrant" type insurance at http://FreedomBenefits.net/inbound-immigrant-insurance-features-and-benefits.htm but this does not cover a pre-existing pregnancy. New Jersey individual health insurance is different than most of the rest of the U.S. in that you can buy coverage to cover pre-existing medical conditions like maternity. There are two things for you to consider: First consider the overall cost. This insurance can be thousands of dollars per month and there are likely some large out-of-pocket costs. The cost of insurance plus out-of-pocket costs will be $15,000 to $20,000 of the course of a typical pregnancy. Second, consider the access to insurance. You must work either with the insurance companies directly or hire an adviser to handle the telephone and paperwork necessary. There are no easy online enrollment services for new Jersey individual health insurance. If your finances allow, it might make sense to set aside $500 to have an adviser make the advance preparations for you so that health insurance enrollment information is here at your arrival. Your best option might turn out to be the Inbound Immigrant combined with a plan to pay the remaining maternity costs out-of-pocket through a PPO discount pricing plan like www.ehealthdiscountplan.com .