What kind of insurance should I choose?

[submittedviaemail]

OK. I see.
Now, I want to change my plan and my wife's.
Could you recommend some plan for us?
thank you

[submittedviaemail]

I think those two plans are expensive. So, I find Inbound Immigrant Medical Insurance-100,000 plan.

Can I buy this one, and could you tell me the difference of this plan to your recommened plans?

[submittedviaemail]

Ok, thanks.
I will choose this one
Study USA information:

https://www.insubuy.com/study-usa-insurance/

I am a postdoc in the university of Illinois at urbana-champaign.
Actually, I am not a student. Am I eligible for this plan. My visa is J1 and I have the Ds-2019.

[submittedviaemail]

OK, thanks a lot.
My wife is not yet pregnant. If we want to have children as soon as possible, will this plan work? Can I buy the plan month by month?
And there is no waiting period for pregnance?

[submittedviaemail]

Hi,

I have bought the insure since 1/5/2017.
Study USA

https://www.insubuy.com/study-usa-insurance/

Now my wife is in menstrual period today.

There is a sentence in the description of the coverage.

“Pre-natal care, delivery of newborn, and post-natal care related to a covered pregnancy which began after the effective date of coverage. “

So, now there are three questions.
1. You told me that Conception must occur at least 90 days after the effective date of the policy. But, I can find in the description of the coverage. What does this mean?
2. If my wife is pregnant next month, does the insure cover my fee?
3. How can I prove that pregnancy began after the effective date of coverage?

Thank you very much.