Embracing US Citizenship: The Challenges and Options for Giving Birth Abroad

Many individuals living abroad are hesitant to return to the United States due to the high cost of healthcare and insurance. If you are a US citizen planning to give birth in the US but are uninsured, it can be a daunting task. This article aims to provide insights and answer your questions regarding insurance options and the feasibility of obtaining US insurance while living outside the country.

Understanding US Healthcare Insurance

Health insurance in the United States is managed at the state level, and this can add complexity, especially when you are living abroad. For instance, when we moved to the US from a different country, we attempted to pre-enroll in an individual insurance plan. However, we were faced with the requirement to provide proof of residence in the state where we planned to enroll. Without this documentation, we found ourselves without insurance for nearly two months. This process can be challenging and time-consuming.

Exploring Temporary Insurance Solutions

Even if you manage to find an insurance company willing to enroll you temporarily, you should be aware that there are many different types of plans. These plans often come with varying premiums and deductibles. If you were to find a short-term plan for a few months, you might still end up paying several thousand dollars. Additionally, even if you secure a plan, it may not cover the costs of delivery.

Considering International Insurance Options

Some individuals living abroad opt for short-term health insurance plans designed for tourists and visitors. However, it is doubtful that these plans would cover the delivery of a baby. If you are not enrolled in some other form of local health insurance, it might be worth exploring such options. They might be more cost-effective and provide essential coverage for your pregnancy and delivery needs.

The Bigger Picture: Why Consider Returning to the US?

Before diving into the insurance details, it is important to consider why you would want to return to the US at all. Unless you are in a war-torn country with poor infrastructure, the medical facilities available in your current location might be just as good, if not better, and at a significantly lower cost. Additionally, it is crucial to note that your child will automatically become a US citizen even if born overseas, provided you have provided the necessary paperwork to the US Consulate.

Seeking Help and Support

For more information on obtaining US health insurance while living abroad, you can contact CIGNA or other insurance providers. They can provide details on premiums and coverage. It is also wise to explore your local health insurance options and understand your healthcare needs thoroughly.

Conclusion

While the process of securing US health insurance and giving birth abroad can be challenging, it is important to weigh your options and consider the overall cost and availability of healthcare in your current location. Understanding the requirements for enrollment and exploring your insurance options can help ease the transition back to the US.

Remember, your child's US citizenship can be acquired even if they are born outside the country, so the decision to return to the US for birth is more about healthcare accessibility and costs.