Child Birth issue in US because of medical insurance need immediate replies

[Priya1]

Husband came to US 3 months back got project now for solid contract upto 1 and half years. Brought his wife from India 15 days back who is 4 months carrying now.

Employer is the typical desi employer with no empoyees except my friend. Their no group insurance for the desi employer. My friend is fighting hard to cover his family under his group insurance because he will give birth his baby in US. But the employer is reluctent to do.

The question is if the empoyer goes now for group insurance, will the insurance company cover the maternity under group insurance without any pay for my friend. Pl. suggest.

what is best for him ? delivery in India or US. Pl. reply me immediately.

[Murali]

Only the group insurance can cover maternity/pregnancy for a new employee.
Even if employer apply now, the insurance approval at the insurance companies polices and they may or may not get approved.
If the employer fails to provide the insurance under group plan, she will not be covered and hence based on this risk she should take the decision, I would say if they dont get a good coverage under group insurance any time soon she should deliver in India. Since the cost of delivery is way to high in America.