Hi Michael. I’ve had two kids in the US and as far as I know, you should be able to apply for insurance with a an insurance provider and just pay the premiums.
Are you moving back there for employment? If so, then your employer should/may offer you health insurance, and the ins company may or may not require that you complete a Health Questionnaire. It will probably ask when your wife’s last menstrual cycle was.
Where I’m from, if they determine that she was pregnant before she got coverage, then her expenses may not be covered, but the baby’s will be. With some companies, if there is a large number of employees insured in the same plan, they waive the Health Questionnaire, and you might get away with “pre-existing conditions.”
If you’re not going to be insured with an employer, then you could apply yourself. Find a yellow pages online in the city you’re moving to, and start calling now to get an idea of what self-pay will cost you. You might end up deciding that it is too expensive and have the baby here–we’re not exactly out in the boonies.
We were self-employed before we moved here three years ago and our family coverage (2 kids, 2 parents) cost us over $350 a month. At one point we let the dental ins go because we found it cheaper to pay in cash for each visit and any work done.
If you’d like more information on having a baby here, you can visit parentpages.net