Looking for a Health Insurance Quote?

Get a free quote in under 5 minutes with our online form!

GET A QUOTE

Pregnancy Health Insurance - Absolute Best Options When Pregnant

Meredith Miller Published: December 14, 2018 Updated: December 14, 2018

Woman reading pregnancy test

If you’re expecting a new addition to your family, there are probably a million thoughts and emotions running through your head while you read this sentence. Before you even have your first prenatal appointment, you have to begin thinking about a lot of things, including the inevitable medical costs you will incur. Thankfully, there is maternity insurance available to help drive down the costs you’ll end up paying out of your own pockets.

The American healthcare system can be a very confusing system to try to navigate on your own, especially health insurance for pregnant women. Being pregnant you will want to know what your best health care options are. Well, to help with your journey, we’ve decided to put together an easy to follow list for you.

The Cost Of Pregnancy Without Coverage

What to Expect When You’re Expecting explains, “The Truven Report put the uninsured cost of having a baby at anywhere from $30,000 for an uncomplicated vaginal birth to $50,000 for a C-section. And those prices have increased dramatically in the last decade.”

The cost of pregnancy can vary depending on your location. So, if you don’t have pregnancy health insurance definitely find out if your doctor or the hospital that you are going to has a payment plan. Also, see if discounts can be given to you because you are paying out-of-pocket.

Health Insurance Options For Pregnancy

There’s a common misconception out there that finding health insurance while pregnant is nearly impossible, but that’s far from the truth. Even though pregnancy may be considered a pre-existing condition,

The Affordable Care Act Marketplace

The Affordable Care Act (ACA), also known as Obamacare was put in place so that every American can receive health insurance, regardless of pre-existing conditions. President Obama’s Affordable Care Act has made health insurance for pregnant women easier to sign up for.

In the past, pre-existing conditions were difficult to get insured with but this act cleared the way for women who may have had a previous C-section or complications during a pregnancy to have insurance.

The Affordable Care Act made maternity insurance coverage mandatory. This maternity health insurance will cover pregnancy, labor and delivery, and newborn baby care. Lactation counseling and breast pump rental will also be available.

Medicaid And CHIP

Medicaid is health coverage that is available for low-income Americans, including children and pregnant women. Medicaid is given to people via state and federal government. Children’s Health Insurance Program aka CHIP is low-cost health coverage for children in families who make too much to be covered by Medicaid. If you want to apply for Medicaid do so right away to get the benefits. It may take between 2-4 weeks for the pregnancy health insurance coverage to start. Medicaid will cover all prenatal costs of the pregnancy, labor and delivery and then the 60 days following delivery.

You can enroll your unborn child into the CHIP program if it is your first child. The regular CHIP program will give a child coverage from birth until 18 years of age. There is a prenatal program that will cover an unborn child for 12 months.

Private Health Insurance Plans

Believe it or not, there are private health insurance companies that offer affordable and comprehensive coverage for expecting mothers. Exploring options in your area, and talking to experienced health agents and brokers will undoubtedly help you find a plan that fits your exact needs.

A good place to start your search is right here. FirstQuote Health specializes in helping individuals and families shop for and compare health quotes in their area, saving both time and money. To get started, enter your zip code, and find coverage within minutes.

Supplemental Maternity Health Insurance

Supplemental health insurance helps you pay out-of-pocket expenses like copays and deductibles when a serious illness or injury happens. Supplemental policies may even help cover the costs of everyday expenses like bills, groceries, and childcare.

This kind of policy is beneficial if you have a C-section and need a bit of financial help paying for the necessities while you heal from your surgery. This would also be very helpful if you are put on bedrest at any time during your pregnancy to help keep down unforeseen costs that aren’t covered by maternity insurance.

Getting Health Insurance After Your Pregnant

If you are looking for health insurance and are already pregnant, you cannot be turned down from getting insured because of your pregnancy. You can breathe a sigh of relief. This works for getting insured through an employer or finding insurance on your own.

Now, if you have a grandfathered plan or a health insurance plan that existed prior to the Affordable Care Act going into effect, you will need to check with your insurance provider as far as their pregnancy health insurance and if your plan has benefits for your pregnancy. Even if you have pre-existing insurance you have options and know if you do need to reach out to your insurance company.