Post # 1
Just got engaged..Am Canadian FI is American. We are expecting 9months-16 month wait for k1 visa..
Just heard some US insurance companies have a year wait for maternity coverage? is this common?
Plus I hate the thoughts of not having the year mat leave like id have here?? uggggh
I feel so torn…Already have a great 8 yr old so and 4 yr old daughter so 3 on my own and im a sick preg person hyperemesis with both…so it would be beyond difficult esp with FI being 8 hours away but i cant imagine waiting 16 months plus a year to try…
Post # 3
I’m confused. Are you wanting to have another baby to make it easier for a visa? Or are you really wanting to have a baby but facing having to put it off because it will take a year before you can have health coverage…?
Post # 4
Every insurance is different. Some may have a waiting period for coverage some may not. From my experience, I’ve never had insurance where there was a waiting period for maternity coverage, only for short term disability coverage that pays you a percentage of your pay while on leave. In my opionon if you have so many concerns as to why it would be better to wait, then you probably should. Yes, there is never really the right time, but if you have alot to face already, why push it by adding a pregnancy/baby into the mix?
Post # 5
No we want another baby. im 34 so if i have to wait over a year to get married plus the waiting period if his insurance has one I feel my clock ticking..KWIM?
Also I hate the thoughts of your 4 week mat leave haha where in Canada we are spoiled with a full year paid mat leave when we have a baby…
Post # 6
I don’t think most insurances have a wait period for maternity coverage but personally, I wouldn’t want to have my baby alone in a different country than my husband.
Post # 7
@MrsSaltWaterTaffy: I definitely agree, different countries would be too tough. I really think you should postpone. I’ve heard people getting burnt by not getting pregnancy coverage BEFORE they get pregnant. The U.S. does suck at maternity time off, another thing I’m jealous of Canadians–the other being Banff.
Post # 8
What if your clock was ticking? thats the big issue. FI has no children and its something we really want together…see the dilemma?
Post # 9
@TammyLynn12: Given that you’ve already have children, I wouldn’t think you would have issues conceiving and there are options out there. I know the whole clock thing is a concern, but 35 isn’t terrible and there are tons of resources out there to pinpoint when you’re ovulating! I just wouldn’t want you to go bankrupt when you’re in a new country. Believe me, that’s an issue here.
Post # 10
In the US, if you have private insurance(not through your job, just on your own), there will be a waiting period. I’d want to make sure the insurance thing is in tact first. I hope everything works out.
Post # 11
I think you should wait so that there are not citizenship ambiguities with the baby.
Also, as a PP said, private insurance (people who are self-employed or who work for smaller companies have that) will have a waiting period. If you or your husband get insurance through a larger company, that shouldn’t be an issue.
So sorry you’re having to trade down to a sh!tty healthcare system. Sigh. Canada is so far ahead of us in so many ways!!
Post # 12
private insurance policies most of the time do have a waiting period for maternity coverage. if the insurance is employer-sponsored, there is no waiting period.
Post # 13
I think you should wait.
My question is…if you AND your FI want a baby, then why would you have one when you are not even living together? You say he is 8 hours away?
Are you willing to take away the baby/daddy bonding they would have by living so far apart? If it were me I would want my significant other to actually be able to be apart of my childs life.
You are going to take so many memories away from your SO by not having him there. And if this is the only child you have together, he will never have those moments.
I think it would be selfish on your part to get pregnant now. Your husband and your baby will miss out on so much together.