In geographical terms the Caribbean area includes the Caribbean Sea and all of the islands located to the southeast of the Gulf of Mexico, east of Central America and Mexico, and to the north of South America.
An HSA is a special, tax-advantaged savings account you can use to pay for qualified medical expenses. You deposit money in your HSA, where it earns interest tax-free. Funds are not taxed when withdrawn for qualified medical expenses.
In many states, they will only cover eye exams by an ophthalmologist if you have a medical problem that is caused or worsens during pregnancy. EMA does not cover preventive care. For instance, say your gf has diabetes. EMA will not cover her annual visit to an opthomologist.