The premium is the monthly cost of the insurance and could be about $200-$500 per month per person.
The deductible is the amount of medical expenses you must pay before the insurance company will begin to make payments. The lower the deductible amount, the higher the premium will be. A typical deductible amount would be $250 to $2500.
After the deductible amount has been satisfied, often the insured is responsible for copayments. The insurance company will pay 80 percent, and you would pay 20 percent of the medical expenses up to a stated amount. Beyond that, the insurance company will pay 100 percent up to the limits of the policy.
If you arrive in Newport with a pregnant spouse, or she becomes pregnant while you are here, it is important to immediately determine who bears the responsibility for payment of prenatal care and delivery. Having a baby in the United States is extremely expensive—costs can run as high as $15,000 to $25,000. In most cases, medical insurance will not cover the costs of delivering a baby unless you have had the insurance for more than one year. If your ITO does not specifically state that your country will pay for the delivery, you will be paying out of your own pocket.