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枫下茶话 / 美国话题 / 在美国生孩子。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！
-happy2006(不容易);
2005-12-10
{211}
(#2655190@0)
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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)
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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)
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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)
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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)
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请教: 什么叫corp to corp? 谢谢!!!!!!!!!!!
-fine(fine);
2005-12-15
(#2665548@0)
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这个问题提得好......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。
-seatac(SeaTac);
2005-12-10
{287}
(#2655508@0)
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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)
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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)
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回答以上两个贴：
-seatac(SeaTac);
2005-12-10
{580}
(#2655593@0)
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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)
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Usually buying medical insurance is less expensive than paying medicare provider directly.
-seatac(SeaTac);
2005-12-10
(#2655843@0)
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In your case.
-seatac(SeaTac);
2005-12-10
(#2655847@0)
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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?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？
-happy2006(不容易);
2005-12-10
{159}
(#2655714@0)
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Google "medical insurance in US".
-seatac(SeaTac);
2005-12-10
(#2655845@0)
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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)
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I provided the info based my DIRECT experience. Did you?
-seatac(SeaTac);
2005-12-10
(#2655905@0)
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I am an actuary.
-jeffrey815(Smartiecat);
2005-12-10
(#2655914@0)
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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)
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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)
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Happy2006，祝贺你！如果有什么问题，给我PM。
-seatac(SeaTac);
2005-12-10
(#2655975@0)
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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)
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Would you mind telling me how to buy it, and how much it costs? thanks
-xiaopay(xxs);
2005-12-15
(#2665566@0)
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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)