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Is maternity / health insurance worth buying in advance, living abroad but want to have baby in the US.?

My sister is working abroad, but wants to have baby here in Texas, US. Is it worth buying health insurance with or without maternity coverage in advance? She is not currently pregnant. I got different quotes from agents/ Insurance companies.

Public Comments

1. Individual health insurance often excludes coverage for preexisting conditions for the first 12 months of coverage. In many cases, health insurance carriers are allowed to count pregnancy as a preexisting condition. But after 12 months of coverage, all preexisting conditions are covered. Your sister may want to buy coverage 12 months prior to conceiving for that reason.
2. yes, well, talk to them about maternity coverage. Most of the time, you can't get it on a private policy. When you DO find it on a private policy, you usually have to have it a certain time period (like a year) BEFORE you get pregnant, in order for that pregnancy to be covered.