Originally Posted by laneplusfranny
We did a quote through one of the sites and for the three of us it will be over $850 a month. It's so shocking
We pay nothing in Australia and receive exceptional care. I know the point of insurance is in case of disaster, but I can't imagine paying out of pocket for routine visits will amount to 9mo x $850.
You'd be surprised how much out of pocket payments costs.
Under my insurance policy visits to a primary doctor are charged out at between $150 and $200 per visit, specialists (such as pediatrician for your child) $300 +, any tests etc $100 per test. If you are intending to visit doctors for all the necessary checkups for a new born you need to budget in these types of costs.
Without insurance, the costs will be more ..... the medical profession in the US can charge what they like and they do.
Nothing of a 'day to day' service will be paid for by your travel insurance.
It sounds like you are going to be living in the US for around 9 months. Are you sure your travel insurance is going to cover you for even catastrophic treatment?