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For any maternity, child birth or child care related expenses, your best option is to continue her university insurance. If you try to buy the insurance from open market, none of that would be covered.

Medicare is not free if you have not working in the US for 10 years.

That is excluded, not covered in any visitors insurance plans. is it not covered with this atlas america plan or is vision not covered in any USA Visitor plan As I mentioned in my previous reply, vision is not covered any of the visitors insurance plans. You can look at /individual-family-dental-plans/ for dental/vision coverage.

Trip Interruption: If, after you have departed, you learn of the death of a parent, spouse, sibling or child, or you learn of the substantial destruction of your Principal Residence by fire or weather, the Atlas America will provide the following benefit: The cost of an economy, one way air and/or ground transportation ticket for your travel to the area of your Principal Residence; or If, following a covered Emergency Medical Evacuation, the attending Physician states that it is Medically Necessary for your return to your Home Country or to the area from which you were initially evacuated for continuing treatment, recuperation and recovery, the Atlas America will provide the following benefit: The cost of an economy, one-way air and/or ground transportation ticket for your travel from the area where you were hospitalized following the Emergency Medical Evacuation to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence. Lost Checked Luggage: In the event your checked luggage is permanently lost by the transportation provider, the Atlas America will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and submit copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost checked luggage.

If you didn't buy the insurance for them for last 5 months, why would you like to buy now? Were you not concerned that something could have happened to them in last 5 months as well? Why are you concerned only now, after the general check up? Insurance plans will pay for any new medical conditions, injuries or accidents that may occur after the effective date of the policy. It will not cover any pre-existing conditions or preventive check ups. 1. Yes, you can buy. However, depending upon their age, some plans may or may not be available. Just go to the home page, https://www.insubuy.com and enter your criteria. Whatever plans show up is what you can buy. 2. If the Dr visit is for any medical condition that occurs after the effective date of the policy, it would be covered. However, if it is for preventive check up or pre-existing condition like BP check up etc, it would not be covered. 3. Again, all of that would be covered as long as it is for any medical condition that occurs after the effectiv date of the policy. Thanks for your quick reply as always. We have a local health care that provides a Sliding scale insurance that covers his basic Dr visits etc. So there was no need to take another insurance for his travel. More over, he did a complete head to toe check up before he came here, and there was nothing alarming with his health or any pre existing condition. This sliding scale insurance has made changes to its rules this past week. They have added few clauses, that will not cover his lab, or test and any specialized visits. So that got me thinking that i need coverage for the rest of his stay if something comes up. Thanks I see. Please let me know if I can be of any further help. I went ahead and bought Atlas America for 9 days this morning from Insubuy.com. Thanks for your help. I will come back to you in future. Regards. You are welcome and thank you for your business. Please feel free to contact us at any time if we can be of any further help.

Everyone that answers the phone call are licensed and experienced insurance agents in the U.S. Everything you are told by our rep is true. If she is eligible to buy the insurance from your employer, she has to get that. She can't buy the insurance plans listed on our web site under visitors or new immigrants section. Anyway, none of those plans cover maternity. Depending upon your state, there may be some domestic plans that may cover maternity. As she is on H4, depending upon the company, she may be eligible for some plans and not others. However, in any case, none of them will accept her if she is already pregnant. Even if she is not pregnant, no plan will cover maternity immediately. There is a waiting period of 6 months to 1 year before she conceives.