I am pregnant now and stuck in the USA with hubby's job. We still own a house back home and pay tax on it, I still pay income tax in the UK for my worldwide work (and have to pay it in the US for earnings in the US too) as I travel a great deal for work - when I am not too fat to fly... I pay voluntary NI contributions to ensure that even if I don't earn enough while I am away it will not affect my NI Status. We have been away for 18 months and although of that time 4.5 months has been spent working and residing in the UK through various trips back - I think technically I would still not be eligible. However I did consider it seriously, in the end I could not do it because I felt it was unfair to fly back to three months and come back to hubby with a baby at the end of it and there is no way the military would let him come back to sit out the wait for baby to make his appearance.
Although I feel it is wrong to abuse the system I can sympathise with people who want to come home to have a baby and truly it is not always about money. You are feeling hormonal, often scared and away from your family. Yes it is cheaper on the face of things to come home to have your baby. Depending on your choice of treatment here in the States it can be anything from $2000 to $25,000 - most people have some form of insurance and if you do usually you can get your maternity package of your choice for around $2000 possibly with the odd extra co-pay thrown in. If you think you are J-lo and want super luxury then of course it will be more - but you would not get that on the NHS either, so you can have it if you can afford it, or if your insurance will cover it. But if you fly back - you have to fly whilst you are still allowed to fly long haul, yourself and possible other family members too. That costs, then you have to stay somewhere, for a lot of people that will cost too. In all honesty when we added up how much it would have costed to come home to have the baby it was more than having it here. Much more... but I would have known what to expect and had my family close. Being relatively alone in another country is not always the best situation to be in.
The main reason I considered coming home to give birth was fear of the unknown. Maternity medicine here in the US is completely different to at home. It is MUCH more invasive, with constant monitoring, blood tests, scans, and a real lack of facilities and care that would encourage you to give birth naturally. It is ALL about intervention. What is convenient for the Dr, for the hospital etc rather than what is good for you and your baby. If a Dr can bill your insurance for a procedure (scan, blood test, epidural etc...) you will usually be told it is essential. I was told my Dr would "prefer" if I delivered before 39 weeks, but he could give no good reason for why this would be better - except thats just what they do with women my age.... (turns out he has a golfing holiday over my due date which I suspect may have had something to do with it) but of course if I am induced it is all extra procedures that my insurance company are happy to cover. When I first went to see the Dr to confirm my pregnancy and the insurance co were informed we were send a breakdown of all the procedures (and how many of them) they were happy to cover. Believe me they were plentiful and many of them the Dr wanted me to have even though in my cirsumstances they were unnecessary.
I ended up having the fear of god put into me on an almost weekly basis of what could go wrong next. I was so stressed at what I was going to be made to do and the lack of facilities for the sort of birth I wanted (hardly any births are midwife led here) I was crying all the time with super high blood pressure. Going home to where I trusted the system, and could get a level of care I wanted and was familiar with would have been fantastic, so I sympathise with wanting to go home.
As it is I am now officially too fat to fly so am waiting out the arrival of baby here in the US. Doesn't mean I would not rather be back int he UK.