With health insurance it depends on the company and also what your insurance policy will cover. For example I have BUPA and they did not ask me for any pre-existing conditions when I joined over here. At least this is how it was a few years back. I pay for my medications but I also have an option to pay something extra and my medications will be covered. Find out which health insurance you will have, if it is provided by your company/husband's company or call around and ask different health insurance companies what they offer.