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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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New Jersey health insurance for pregnancy

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I am an Australian citizen and currently living in Sydney Australia. Last year, I got an offer to work as permanent employee in New Jersey USA, in which my employer expects me to start by April 07. Recently, we found that my wife is pregnant (10wks now) and the insurance cover provided by my employer is not covering for maternity. Therefore, an extra preparation is required at the moment. I would like to get more information regarding my situation above and get the best suitable medical insurance using your services.

A: Normally a person coming into the US who is not pregnant would use the "Inbound Immigrant" type insurance at but this does not cover a pre-existing pregnancy. New Jersey individual health insurance is different than most of the rest of the U.S. in that you can buy coverage to cover pre-existing medical conditions like maternity. There are two things for you to consider: First consider the overall cost. This insurance can be thousands of dollars per month and there are likely some large out-of-pocket costs. The cost of insurance plus out-of-pocket costs will be $15,000 to $20,000 of the course of a typical pregnancy. Second, consider the access to insurance. You must work either with the insurance companies directly or hire an adviser to handle the telephone and paperwork necessary. There are no easy online enrollment services for new Jersey individual health insurance. If your finances allow, it might make sense to set aside $500 to have an adviser make the advance preparations for you so that health insurance enrollment information is here at your arrival. Your best option might turn out to be the Inbound Immigrant combined with a plan to pay the remaining maternity costs out-of-pocket through a PPO discount pricing plan like .


More resources:

Inbound Immigrant insurance New Jersey health insurance listing