Miami Beach 411
Like what you see? Let's talk about how
we can help your vacation --> Contact Us
Page 1 of 2 12 LastLast
Results 1 to 20 of 21
  1. #1
    New User
    Join Date
    Oct 2010
    Posts
    18
    Likes Received
    0

    Default Maternity care for UK citizens

    Hello from the UK

    My daughter's OH has a job offer in Miami, and as they will be moving shortly before their baby is due she will have no USA healthcare insurance.

    My question is about how your health insurance is arranged. Do maternity hospitals accept a one-off premium to cover the birth and any complications at such a late stage (she will be 6 months at the end of November)?

    Who could she and her OH contact to find out what facilities would be available and how health care insurance could be arranged for UK citizens. I know that within Europe the care is reciprocal between member countries, but I'm afraid none of us knows anything about USA provision.

    Thanks for your time reading this!

  2. #2
    Moderator
    Join Date
    Jun 2008
    Location
    South Beach
    Posts
    10,353
    Likes Received
    698

    Default

    Hi and welcome to 411!
    The first thing I would ask is, is the husband getting health insurance with his job? If so, spouses should usually be included so she will have insurance.
    If he is not even receiving insurance, then he should forget about it right now, no good job comes without insurance.
    As for arranging health insurance for UK citizens, the companies don't care where you are from as long as you can pay, and you don't have pre existing conditions. There is no reciprocal agreements like there is in Europe. So find out if the husband will be getting insurance for them both and go from there.

  3. #3
    rk
    rk is offline
    Senior Member rk's Avatar
    Join Date
    May 2009
    Posts
    2,781
    Likes Received
    258

    Default

    Also many, not all, companies that offer health insurance have a certain waiting period between when you join and when the insurance kicks in. This can be 3 or 6 months, and you are expected to get your own insurance during that time. Be sure to check about this.

  4. #4
    Moderator
    Join Date
    Jun 2008
    Location
    South Beach
    Posts
    10,353
    Likes Received
    698

    Default Re: Maternity care for UK citizens

    Quote Originally Posted by rk View Post
    Also many, not all, companies that offer health insurance have a certain waiting period between when you join and when the insurance kicks in. This can be 3 or 6 months, and you are expected to get your own insurance during that time. Be sure to check about this.
    Good point. my company was only 1 month, but I do know most are 3.

  5. #5
    New User
    Join Date
    Oct 2010
    Posts
    18
    Likes Received
    0

    Default Re: Maternity care for UK citizens

    Thank you for your replies, Jess and rk.

    I believe he and my daughter plan to spend a couple of weeks in Miami shortly to see what sort of housing and living standard they can expect from his salary. I would imagine, if the salary package is roughly equivalent to what it would be over here for a similar job, that the health insurance would be included. It's something that we don't really take into consideration in the UK, though, because it's free at the point of use although of course we all pay for it in our taxes.

    I'll let them know that they really need to check the small print, especially the waiting period.

    Do you have specialised maternity hospitals in Miami, or does the local general hospital have a maternity wing? Maybe I could email them and ask how much they charge to deliver a baby ... lol ...

    Life's never simple, is it

    Thanks again for the replies!

  6. #6
    Member Maria de los Angeles's Avatar
    Join Date
    Aug 2006
    Location
    South Miami
    Posts
    9,256
    Likes Received
    194

    Default

    Hi thistledown,

    Welcome to the forums!

    As a woman in her early forties and US citizen, I'll share my experience with you ... I have paid for insurance as a freelancer and also had it covered by a solid company in a regular office job. But in both cases, I have never had an insurance policy that didn't ask me to pay extra premium for a year or more until it would acknowledge and cover a pregnancy. In other words, they will not pay for any pregnancy expenses if you are already pregnant when you sign up for the insurance or if you become pregnant within a certain period of time, even if you pay that extra premium. That extra money is somewhat prohibitive -- in theory, if I were to pay for a potential pregnancy a year from now, I'd have to shell out upwards of $300 on top of my regular monthly insurance premium.

    If you're guessing that most American women probably don't have pregnancy coverage, you're probably right.

    I don't think any of this changed with Obama's new health care policy reforms and in any case it wouldn't apply to foreigners.

    So even if his company will pay for insurance, it may not necessarily cover prenatal, pregnancy and post natal care, or even the baby. If I were you, I would find this out first. Does the insurance cover pregnancy and postnatal care without a waiting period?

    As far as hospitals go -- I think it's safe to say every major hospital in Miami has a maternity wing. There's also Jackson, the public hospital and I know of at least one birthing center with midwives.

    Honestly, without insurance, this seems like a big risk to me to move to Miami and have a baby here. God forbid the baby should have the slightest issue or there be even a little bit of a complication during the pregnancy, you will be probably be looking at tens of thousands of dollars in hospital fees with no way to for insurance to pay for after care either, at least as far as any pregnancy related issues are concerned.

    I hope this info helps. If you should decide to go on with it, I'd be happy to ask some of my friends who have given birth about which hospitals they recommend.

  7. #7
    Member Maria de los Angeles's Avatar
    Join Date
    Aug 2006
    Location
    South Miami
    Posts
    9,256
    Likes Received
    194

    Default

    I don't know if this would work in your family's situation, but she could give birth in England and then move here with the baby. Once the baby is born, the child could be added as a new family member to the insurance policy but you may have to pay extra for that.

  8. #8
    New User
    Join Date
    Oct 2010
    Posts
    18
    Likes Received
    0

    Default Re: Maternity care for UK citizens

    Honestly, without insurance, this seems like a big risk to me to move to Miami and have a baby here. God forbid the baby should have the slightest issue or there be even a little bit of a complication during the pregnancy, you will be probably be looking at tens of thousands of dollars in hospital fees with no way to for insurance to pay for after care either, at least as far as any pregnancy related issues are concerned.

    Thank you for your replies, Maria.

    I think you've convinced me, at least! However I'm only the granny

    It would seem mad for my daughter to move from the UK where the maternity care is free and risk having to pay tens of thousands of pounds!

    It looks as if even a normal uncomplicated childbirth is going to be a several months' wages at the very least.

    Many thanks again. The information will all go into the decision-making process!

  9. #9
    Moderator
    Join Date
    Jun 2008
    Location
    South Beach
    Posts
    10,353
    Likes Received
    698

    Default

    As a UK person living here, I say do it at home, where it's free. Sorry but the USA healthcare system SUCKS and even with good insurance you're still looking at paying hundreds every night you are in the hospital. They like to make money here, first and foremost. Stick with the NHS.

  10. #10
    New User
    Join Date
    Oct 2010
    Posts
    18
    Likes Received
    0

    Default

    Yes, we complain about the NHS all the time but forget the good points! Before the NHS was introduced people of my parents' generation had to work out whether they could afford to call the doctor.

    I'll try and persuade her to have the baby here and join her OH later.

    Thanks for your input

  11. #11
    Member Maria de los Angeles's Avatar
    Join Date
    Aug 2006
    Location
    South Miami
    Posts
    9,256
    Likes Received
    194

    Default

    Hi Thistledown,

    Please keep us posted.

    And if you have any other (non pregnancy) related questions about living and relocating here, feel free to post new threads in this section.

  12. #12
    New User
    Join Date
    Oct 2010
    Posts
    18
    Likes Received
    0

    Default

    Thank you!

  13. #13
    Full Member
    Join Date
    Jul 2010
    Location
    Miami
    Posts
    91
    Likes Received
    3

    Default Re: Maternity care for UK citizens

    I think that if you have insurance through a company, everyone gets the same plan and pays the same rate. So, I don't think you would get an increased rate like maria said if you were joining an employer sponsored group health policy. There are waiting periods for some companies but with my new job here in miami I was covered when I started.

    I honestly HATE the healthcare system here in the US. Don't ever plan on a doctor helping you get better... My company has kind of a bad healthcare plan, where I don't get any insurance coverage at all until I have paid 1,500 per yr of my own healthcare expenses. This is called a high deductible plan. The key is to get a regular doctor who prescribes things easily, so that if you have a problem you can just call them up for the meds instead of having to go in and pay for the appointment. For a pregnancy though, I would expect it to cost about 3K-5K in total. BUT 70% of that or more will be covered by the healthcare plan of the husband.

  14. #14
    New User
    Join Date
    Oct 2010
    Posts
    18
    Likes Received
    0

    Default

    That's interesting to hear that you were covered straight away on your plan. I think my son-in-law will have to read the small print very carefully.

    The problem is, when you are about to sign on the dotted line to start a new job it is going to look suspicious if you sit there and scrutinise the healthcare provisions while they are waiting with the pen ready for a signature.

    I know that some employers are reluctant to employ new parents, which is totally illegal to discriminate like that in the UK, but who would know if there were two candidates equally well suited and the one without the small baby got the job?

    At the moment they are trying to sort out childbirth costs without raising the issue with the employer.

    Complicated decisions, and that's without the nationality/citizenship issue!!

  15. #15
    Member Maria de los Angeles's Avatar
    Join Date
    Aug 2006
    Location
    South Miami
    Posts
    9,256
    Likes Received
    194

    Default Re: Maternity care for UK citizens

    Quote Originally Posted by Julie1 View Post
    I think that if you have insurance through a company, everyone gets the same plan and pays the same rate. So, I don't think you would get an increased rate like maria said if you were joining an employer sponsored group health policy. There are waiting periods for some companies but with my new job here in miami I was covered when I started.
    Julie, most companies offer a 3 month waiting period, so you are very lucky. 3 months is considered a "probation" period to see if you and your employer are really going to stick it out. I know you know this, but I want our friend from the UK to see how it works here in the US.

    I've never heard of everyone getting the same plan and paying the same rate ... I mean, a family of four should be paying more a single person, for example. Your kids are covered until they reach a certain age.

    With such a high deductible, does your plan cover pregnancy?

    When I last worked for an employer, I had a great plan (I paid a very modest monthly fee out of my paycheck), however it did NOT cover pregnancy. that was an option for which I would've have had to pay more.

  16. #16
    Member Maria de los Angeles's Avatar
    Join Date
    Aug 2006
    Location
    South Miami
    Posts
    9,256
    Likes Received
    194

    Default

    Thistle, it's also illegal to discriminate about that in the US too ... so I would keep mum.

  17. #17
    Junior Member
    Join Date
    Nov 2010
    Posts
    28
    Likes Received
    1

    Default Check with the current insurance provider

    I didn't read the entire thread, but I know that 15 years ago you would still be covered through the birth on the insurance you were on at the time you began treatment for being pregnant. Most large insurance companies are nationwide and large hospitals like Mt Sinai, Baptist, or Holy Cross work with all companies.

    My prejudiced opinion is to go with Mt Sinai if you can, the prime minister of Canada did not come to that hospital to do his heart surgery for no reason.

  18. #18
    New User
    Join Date
    Oct 2010
    Posts
    18
    Likes Received
    0

    Default Re: Check with the current insurance provider

    Quote Originally Posted by youwishyoulivedhere View Post
    My prejudiced opinion is to go with Mt Sinai if you can, the prime minister of Canada did not come to that hospital to do his heart surgery for no reason.
    that's worth knowing, thanks!

  19. #19
    Member Maria de los Angeles's Avatar
    Join Date
    Aug 2006
    Location
    South Miami
    Posts
    9,256
    Likes Received
    194

    Default

    A friend of mine had a baby at Mt. Sinai. The child ended up in the NICU for a couple of weeks but other than that I think she had a good experience. She did not, however, enjoy the video they show mothers before birthing.

  20. #20
    New User
    Join Date
    Oct 2010
    Posts
    18
    Likes Received
    0

    Default Re: Maternity care for UK citizens

    Quote Originally Posted by Maria de los Angeles View Post
    A friend of mine had a baby at Mt. Sinai. The child ended up in the NICU for a couple of weeks but other than that I think she had a good experience. She did not, however, enjoy the video they show mothers before birthing.
    eewww yuk!!

    Some people even take their own video. Fancy finding a video of your birth when you come to turn out mum and dad's attic in 60 years time , or giving it to the village jumble sale with the complete set of Buffy the Vampire Slayer videos by mistake!

Page 1 of 2 12 LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •