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妊娠時の保険について
- #1
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- GOROGORO
- 2017/03/27 05:17
夫の転勤のため、四月に引越し予定です。
夫の会社では団体加盟の保険はないらしく日本の駐在保険に加入しましたが、出発前に妊娠が発覚しました。
現地の医療保険は登録期間が決まっているとの事ですが、それはこのような場合でも適用外でしょうか?AIMなる妊娠してから入る保険があると聞きましたが、これも登録期間が決まっているのでしょうか?
保険なしでの出産はこわいので、ご存知の方がいらっしゃいましたら教えて下さい。
- #2
-
- ルーシー3
- 2017/03/27 (Mon) 10:12
- Report
>夫の会社では団体加盟の保険はないらしく日本の駐在保険に加入しましたが、出発前に妊娠が発覚しました。
この駐在保険って何なのか良く分からないのですが、妊娠・出産に関する事は一切カバーしないのですよね?
アメリカの医療保険の場合、契約する以前に掛っている病気などのPre-existing conditionがあると、その病気に関しては一定期間保険適用外になったり、保険料が割高になったりします。
大分以前に私が調べた時には、妊娠もPre-existing conditionの一つとみなされ、1年間妊娠・出産に関しては保険適用外になってました。
(所謂、オバマケアになってからは変わっているかもしれませんが、今はトランプになって、又いろいろ変わってきそうですね。)
AIMは妊娠している人が低料金で入れる保険ですが、カリフォルニアのレジデントである事が条件の1つになっていて、
“A California resident: A person living in California who plans to stay”と記載されています。
トピ主さんの場合、日本からの駐在員で今度4月に来られるとの事ですので、レジデントとみなされないのではと思います。
ちなみに、AIMは今はMCAP(Medi-Cal Access Program)と名称変更したみたいです。
http://mcap.dhcs.ca.gov/MCAP_Program/
残念ながらトピ主さんの場合は、アメリカの保険で妊娠・出産をカバーするのは難しいように思います。
ただ、私の知識も古いものなので、変更になっていたり、保険会社によって違う事も考えられますので、
ご自分で個々の保険会社やMCAPに問い合わせて確認して下さい。
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