Health Insurance and Pregnancy: The Basics

Having a baby is life changing. While babies are a joyful blessing, they also cost money—and that begins before they're even born. Health insurance is very important to have before and after you become pregnant.

Having health insurance during your pregnancy will save you tons of money. It can also ensure that you get all of the proper check-ups and care you and your baby need. Pre-natal care is an important part of a healthy pregnancy. Moms-to-be who don't have proper insurance may be more likely to skip out on necessary appointments in order to save money. Don't risk your life or your baby’s life!

So how does health insurance work when pregnancy is involved? It's a common misconception that pregnancy is still treated as a pre-existing condition that health plans do not have to cover. Under the health care law, that's no longer the case.

And guess what? Now, thanks to the Affordable Care Act, every qualified health plan—whether offered outside or inside the Health Insurance Marketplace—has to offer coverage for maternity care and childbirth services. There may be some exceptions for grandfathered plans, so be sure to call the number on the back of your member ID card if you’re unsure whether maternity is covered under your plan.

If you are planning to become pregnant or are pregnant, you'll want to consider your options carefully when it comes to maternity and childbirth coverage. When selecting a health insurance plan, ask the following questions:

  • What diagnostic tests are covered during pregnancy?
  • How much will copayments cost for my office visits and admission to the hospital for childbirth?
  • How much will my monthly premium be, and how much is my deductible?
  • How many prenatal visits am I allowed?
  • Do I qualify for any tax credits that will make this plan more affordable?
  • Does the plan cover midwife or doula services?

Do you have more questions about how health insurance works? Ask us below in the Comments.

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