Got Interview Scheduled: Pregnancy + Short Time ?

[Andrea&Henry 311]

She won't be admitted in any airline after 32 weeks of pregnancy which is 8 month pregnant. So I think you safe bet is to wait in Bosnia to the baby being born and then travel with both of them. I think If Im not wrong, k1 and CR1 Visas are valid for 6 months after they are issued. Giving you some time for the baby to get the documents and her vaccines (if its something you want to do)

[Andrea&Henry 311]

2 hours ago, hjrc said:

correct me if I'm wrong, but, if the deductible is $X and there is no co-pay, then the cost to me is $X, whether it's a $5k, $10k, or $40k delivery 

it depends, how much is your deductible and how much is your "maximum our of your pocket"? once you meet the deductible (for example $8,000) the insurance takes care of the rest. My max out of pocket is $3500

[hjrc 1]

42 minutes ago, Andrea&Henry said:

She won't be admitted in any airline after 32 weeks of pregnancy which is 8 month pregnant. So I think you safe bet is to wait in Bosnia to the baby being born and then travel with both of them. I think If Im not wrong, k1 and CR1 Visas are valid for 6 months after they are issued. Giving you some time for the baby to get the documents and her vaccines (if its something you want to do)

Thank you so much for your input. This forum has been very very helpful to me -- God bless. 

[Umka36 781]

4 hours ago, hjrc said:

correct me if I'm wrong, but, if the deductible is $X and there is no co-pay, then the cost to me is $X, whether it's a $5k, $10k, or $40k delivery 

In general, the deductible is what you have to pay first before the insurance starts to cover things (depending on the medical insurance, you'll probably have a coinsurance like 10-20% - basically they cover 90-80% and you pay the remaining until you reach the max out of pocket limit). The max out of pocket amount is what you will have to pay in a covered year, once that is met all services are 100% covered by the insurance.

 

For instance, starting in 2018 I have a deductible of $250 person/$750 family, with a max medical out of pocket limit of $3000 person/$6000 family for my current medical insurance. I do have co-pays but they count toward my deductible and max limit. In my scenario, it would cost my wife $3k at most for a delivery including any complications. Again check out your medical insurance plan for further details.

 

Hope this helps.

Edited December 19, 2017 by Umka36

[Abfim 27]

7 hours ago, hjrc said:

correct me if I'm wrong, but, if the deductible is $X and there is no co-pay, then the cost to me is $X, whether it's a $5k, $10k, or $40k delivery 

My son was just born last month. I had to pay my whole out of pocket dedutible which was $6850 and the insurance covered the rest. It varies from policy to policy though. If I did not have insurance I would of had to pay $50,000. My son stayed in the NICU for 10 days.

[Coco8 1,054]

It might be easier for her to wait in Bosnia and come into the US with the baby. Technically, she could move her consulate appointment further in the future, like a month before the baby's due date (if she lives close to the consulate). That would be more practical.

[Randyandyuni 2,682]

Does the cost of 2 round trips to bosnia and the cost of the newborns one way ticket to the us exceed the difference in birth expenses? If so having the baby here might be a wash financially. Also, if you are dependant on your US insurance in Bosnia, not all employer funded policies pay for “foreign” medical expenses. If you decide to have the baby here, you need to have your wife on your policy, its mot automatic

[Saadat Alam 24]

7 hours ago, hjrc said:

Thank you so much for your input. This forum has been very very helpful to me -- God bless. 

How much do you make a year? 

[hjrc 1]

16 hours ago, Amir Alam said:

How much do you make a year? 

Amir, I make a good amount of money. However, sahbi, I can't understand how you can ask another man this, whom you don't know

[Saadat Alam 24]

34 minutes ago, hjrc said:

Amir, I make a good amount of money. However, sahbi, I can't understand how you can ask another man this, whom you don't know

I am not interested in your salary nor I need to know for myself. I was trying to see if your wife can be eligible for Medicaid cause some states provided full medical assistance for Green Card Holders too so thats why I was asking but since you are one of those sensitive typical type of person so good luck. 

[Ontarkie 14,950]

I'm going to mention something others have not. Where does your wife want to have the baby? Does she want to find a new doctor in the US? 

 

Also I have no idea how the hospitals are in Bosnia, so compare the hospital there and then research the hospital where you think she will deliver at. But don't just think because it's a US hospital is will be way better then anywhere else. The maternal/fetal death rate in the US is scary high. All the extra interventions the US has also puts the mother and child at risk. You want to look at the c-section rate. You want to know if how long they will let mom labour before the doctor insists on a c-section. I'm going to stop now because I can go on and on. 

 

What I would recommend is a Douala to help her during it all. A Douala  is to make sure mom's wishes are heard and will keep to it as long as mom and baby are safe. Some doctors can be pushy because they don't want to wait all night. 

Or  a home birth midwives cost much less the hospitals. Some States have birthing centers for Midwives and a doctor in the building or very close by in case of need. 

 

I say this as someone who has 6 kids four born in a small town in Canada that had much better care then the big city birth at a top hospital in AR. You are very much treated like a walking time bomb here. Most ppl do not know any better so they go with it. 

Edited December 20, 2017 by Ontarkie

[Umka36 781]

1 hour ago, Amir Alam said:

I am not interested in your salary nor I need to know for myself. I was trying to see if your wife can be eligible for Medicaid cause some states provided full medical assistance for Green Card Holders too so thats why I was asking but since you are one of those sensitive typical type of person so good luck. 

Medicaid is state dependent on whether a recent immigrant can qualify (minus emergency Medicaid), but that's beside the point as the petitioner signs an Affidavit of Supports stating that the beneficiary will not become a public charge.

 

The OP is not sensitive, it's just rude to ask without a context to the question. I imagine if you had said if you make very little income your wife may qualify for Medicaid.

[Umka36 781]

55 minutes ago, Ontarkie said:

I'm going to mention something others have not. Where does your wife want to have the baby? Does she want to find a new doctor in the US? 

 

Also I have no idea how the hospitals are in Bosnia, so compare the hospital there and then research the hospital where you think she will deliver at. But don't just think because it's a US hospital is will be way better then anywhere else. The maternal/fetal death rate in the US is scary high. All the extra interventions the US has also puts the mother and child at risk. You want to look at the c-section rate. You want to know if how long they will let mom labour before the doctor insists on a c-section. I'm going to stop now because I can go on and on. 

 

What I would recommend is a Douala to help her during it all. A Douala  is to make sure mom's wishes are heard and will keep to it as long as mom and baby are safe. Some doctors can be pushy because they don't want to wait all night. 

Or  a home birth midwives cost much less the hospitals. Some States have birthing centers for Midwives and a doctor in the building or very close by in case of need. 

 

I say this as someone who has 6 kids four born in a small town in Canada that had much better care then the big city birth at a top hospital in AR. You are very much treated like a walking time bomb here. Most ppl do not know any better so they go with it. 

My wife used a birthing center and a midwife. It work for us as the midwife wasn't pushy, but they can be slow to act in getting the doctor. It happened to our first son, and my wife wished the doctor was there sooner as there were complications.

[Saadat Alam 24]

21 minutes ago, Umka36 said:

Medicaid is state dependent on whether a recent immigrant can qualify (minus emergency Medicaid), but that's beside the point as the petitioner signs an Affidavit of Supports stating that the beneficiary will not become a public charge.

 

The OP is not sensitive, it's just rude to ask without a context to the question. I imagine if you had said if you make very little income your wife may qualify for Medicaid.

FYI, It's not a public charge please read the medicaid programs manual and you will see there that Medicaid and CHIP considered for aliens is not a public charge unless an alien is primarily dependent on the government for subsistence as demonstrated by institutionalization for long-term care at the government's expense. So It's not. 

[Saadat Alam 24]

28 minutes ago, Umka36 said:

Medicaid is state dependent on whether a recent immigrant can qualify (minus emergency Medicaid), but that's beside the point as the petitioner signs an Affidavit of Supports stating that the beneficiary will not become a public charge.

 

The OP is not sensitive, it's just rude to ask without a context to the question. I imagine if you had said if you make very little income your wife may qualify for Medicaid.

And second of all, TANF, EBT, SSI, and Programs supporting individuals who are institutionalized for long-term care (e.g., in a nursing home or mental health institution). These are the real public charge for long-term care.