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回答以上两个贴：

seatac(SeaTac)

1、有没有保险收费是一样的，只是有保险时是向保险公司收，没保险时是向个人收；
2、想只买到孩子生下就停止恐怕是不行的，这是你的如意算盘，如果这样可以，只恐保险公司都得倒闭；
3、这和by law是两回事。作为公司的group insurance，他们必须给你保险，这没错，但如果你能够提供medical history records，你的coverage 马上生效，否则，三个月以后才生效；作为个人参加的保险，任何保险公司都可以拒绝你，可以要求你提供medical history，要求你体检，要你付更高的保险费，可以附加条件延期生效；
4、真正by law非得做的是医院，无论你入院时有无保险，他们都必须帮你把孩子生下来BY LAW，但他们还是会向你寄帐单的。

(#2655593@0)
Last Updated: 2005-12-10
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枫下茶话 / 美国话题 / 在美国生孩子。 -happy2006(不容易); 2005-12-10 {211} (#2655190@0)
本人对美国所知不多，却得到并接受了一个美国的offter,太太已怀孕3个月，如果我们不得不把孩子生在美国，有哪些过程需要follow呢？家庭医生，产科医生，医院，保险，等等。。，一点摸不着头绪，请过来人或知道的DX指点。谢谢！

If you become a resident of US, then there is nothing to follow, just make sure your choose a good health plan that covers your wife under your new company, and bring a copy of your medical record -icrecream2005(icrecream2005); 2005-12-10 (#2655207@0)

我只是用TN在美国工作一段比较长的时间，corp to corp. 看来我这种情况要自己买保险cover全家人了。是象加拿大一样吗 - 有了保险，就可以去联系family doctor, 然后产科医生，然后医院？谢。 -happy2006(不容易); 2005-12-10 (#2655474@0)

You must be a very brave man. Living in US without any medical insurance for your family. My god!! -jeffrey815(Smartiecat); 2005-12-10 (#2655923@0)
if working in USA (corp to corp), do you need to pay income tax to USA? -dop(道听途说); 2005-12-15 (#2665007@0)

请教: 什么叫corp to corp? 谢谢!!!!!!!!!!! -fine(fine); 2005-12-15 (#2665548@0)

这个问题提得好...... -seatac(SeaTac); 2005-12-10 {287} (#2655508@0)
1、需要自己买保险cover全家；
2、很多保险公司不愿接受已经怀孕的人；
3、即使接受费用也很高，每月至少一千多美元；
4、有了保险就可以正常找产科医生了，然后一切听他安排。

生个孩子，从怀孕到生，如果一切顺利，大约需要五千美元；孩子如果有点小病，只要去了医院，动则上万。所以，一定要买保险。

一切顺利，五千美元，是指没保险的情况吗？如果保险一个月一千多，那么五个月就。。。 -happy2006(不容易); 2005-12-10 (#2655517@0)
If you work for a large employer, the health insurance will cover it. In group health insurance, pregnancy can not be used as a pre-existing condition. And by law, they cannot reject your coverage. -jeffrey815(Smartiecat); 2005-12-10 (#2655538@0)
回答以上两个贴： -seatac(SeaTac); 2005-12-10 {580} (#2655593@0)
1、有没有保险收费是一样的，只是有保险时是向保险公司收，没保险时是向个人收；
2、想只买到孩子生下就停止恐怕是不行的，这是你的如意算盘，如果这样可以，只恐保险公司都得倒闭；
3、这和by law是两回事。作为公司的group insurance，他们必须给你保险，这没错，但如果你能够提供medical history records，你的coverage 马上生效，否则，三个月以后才生效；作为个人参加的保险，任何保险公司都可以拒绝你，可以要求你提供medical history，要求你体检，要你付更高的保险费，可以附加条件延期生效；
4、真正by law非得做的是医院，无论你入院时有无保险，他们都必须帮你把孩子生下来BY LAW，但他们还是会向你寄帐单的。

是不是说，买保险的费用有可能比不买保险直接去医院的费用更高？ -happy2006(不容易); 2005-12-10 (#2655697@0)

Usually buying medical insurance is less expensive than paying medicare provider directly. -seatac(SeaTac); 2005-12-10 (#2655843@0)
In your case. -seatac(SeaTac); 2005-12-10 (#2655847@0)

忘了说，多谢，清楚了很多。可否提供一些美国接受individual insurance的保险公司信息？websites? -happy2006(不容易); 2005-12-10 {159} (#2655714@0)
我感觉公司一般不会给contractor (1099)买保险的，我本人也无意做full-time employee or w2 contractor。请教各位情况类似的先驱，你们如何handle生孩子在美国的问题的？

Google "medical insurance in US". -seatac(SeaTac); 2005-12-10 (#2655845@0)

但如果你能够提供medical history records，你的coverage 马上生效，否则，三个月以后才生效。误导。团体保险全体员工一视同仁。如果New Hire是立即生效，那全部都是。如果New Hire是3个月生效，那全部都是。 -jeffrey815(Smartiecat); 2005-12-10 (#2655864@0)

I provided the info based my DIRECT experience. Did you? -seatac(SeaTac); 2005-12-10 (#2655905@0)

I am an actuary. -jeffrey815(Smartiecat); 2005-12-10 (#2655914@0)
You have a great job, but I am not sure if you did it greatly. I'm wondering why an "ACTUARY" could provide such a "BY LAW" info above. It's really weird, isn't it? -seatac(SeaTac); 2005-12-10 (#2655965@0)

By Law means by HIPAA, not by whatever your interpretation is. But I don't want to get into such detail so I simply mentioned by law. Just like saying by law (instead of by criminal code or whatever in detail), you can't kill people. -jeffrey815(Smartiecat); 2005-12-10 (#2656030@0)

Happy2006，祝贺你！如果有什么问题，给我PM。 -seatac(SeaTac); 2005-12-10 (#2655975@0)

为何不买加国的出境保险?你离加多久了?来自哪个省? -kidslover(niuniu); 2005-12-11 (#2657629@0)

Would you mind telling me how to buy it, and how much it costs? thanks -xiaopay(xxs); 2005-12-15 (#2665566@0)

如你说的情况自己买保险已经不行了, 只有一种政府资助的保险还可以买, 买了之后还有三个月等待期. -guest3(guest); 2005-12-16 (#2665968@0)

@Calgary

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