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It does not matter whether the person is visiting MA or NJ. Visitors insurance are for visitors to USA and person may tour around the country such as Niagara Falls, Washington DC, Las Vegas, Disney Land, Statue of Liberty and visitors insurance will cover in all of those places.

In this situation, unfortunately, there is no insurance plan from any company that will cover your husband's pre-existing conditions. All the plans will exclude that. If you look into any domestic plans such as Blue Cross, Assurant(Fortis), Golden Rule, Unicare etc, they will NOT insure him at all as he is not US resident. Most companies require persons to be US residents, some require green card, need person to be staying in US for at least 1 year. They will still not cover pre-existing conditions. Some will decline insurance all together. But with us, we specialize in insurance for people who are non US citizens, just like your husband. It will cover any new medical conditions that may occur after insurance is effective. I would suggest one of 2 plans: Protection America: /patriot-america-lite/visitor-insurance/ Can be purchased for $50,000, $100,000, $500,000 and $1,000,000 policy maximums. If he gets sick, first you have to pay annual decutible (such as $100, $250, $500,...) After that insurance company pay 80% for first $5,000 and after that, it pays 100% up to policy maximum. Also, or you can consider buying Global Medical Insurance: /global-medical-insurance/international-health-insurance/ $5,000,000 If he gets sick, first you have to pay annual decutible(such as $250, $500,...) After that insurance company pays 100% as long as visiting Dr. in the network. Othewise, 80/20 for first $5,000 and after that 100%. Both the plans are PPO and participate in First Health PPO network which is a very wide network all across US. /international-medical-ppo-network/ You can review the details of the plan online and make instant purchase online.

There is no product from any company anywhere that would cover her delivery expenses, if she is already pregnant.

You can't purchase US domestic health insurance until you have moved to the US. You can start international health insurance now, but that won't help you much when you start living in US. Please let me know if you have any other questions.

If she is already pregnant, there is no product available from any company anywhere that would cover her pregnancy.

There is no insurance plan for visitors to USA to cover pre-existing conditions. For group insurance, you have to check with your employer what would be covered and what wouldn't be. Thanks for the reply. Does your reply applies to Aliens on L1 or work permit visa. Anyone who wants to buy short term insurance, it will not cover pre-existing conditions. Person can be a visitor, L1 holder, greencard holder, or US citizen. It does not matter. No short term plans covers pre-existing conditions.