Best Health Insurance Options for Pregnant Women

Best Health Insurance Options for Pregnant Women

Pregnancy and Health Insurance

Pregnancy is a time of excitement and anticipation, but it can also be a time of uncertainty when it comes to health insurance. Having the right coverage is essential for ensuring both the mother and baby receive the best possible care. This blog post will explore the best health insurance options for pregnant women, including coverage details, enrollment periods, and questions to ask before choosing a plan.

Health coverage if you’re pregnant, plan to get pregnant, or recently gave birth: It is important to have health coverage when you’re pregnant, planning to get pregnant, or have recently given birth. Adequate health insurance can help cover the costs of prenatal care, delivery, and postpartum care, ensuring a healthy start for both mother and baby.

Special Enrollment Periods and Qualifying Life Events

Typically, individuals can only enroll in or change their health insurance plan during an annual Open Enrollment Period. However, pregnancy, giving birth, or adopting a child are considered Qualifying Life Events (QLEs), which allow you to enroll in a plan or make changes to your existing coverage outside the normal enrollment window. These Special Enrollment Periods generally last 60 days from the date of the QLE.

If you currently have Marketplace coverage

If you already have a Marketplace health insurance plan, you can update your coverage to include your pregnancy or newborn by reporting your QLE. This may lead to changes in your premium or cost-sharing, as well as added benefits.

Will I get the same coverage no matter which state I live in or which plan I choose?

Coverage for pregnancy and maternity care can vary by state and plan. However, under the Affordable Care Act (ACA), all Marketplace plans and most private health insurance plans must cover maternity care and childbirth as essential health benefits.

It is against the law for an insurance company offering ACA(Affordable Care Act) plans to not offer maternity coverage. If your carrier is denying this then chances are you do not have an ACA Plan.

It is crucial to review your specific plan to understand the scope of coverage and any added benefits.

Health Care Discount Programs for Maternity Coverage

Some states offer health care discount programs for low-income pregnant women who do not qualify for Medicaid or the Children’s Health Insurance Program (CHIP). These programs can help cover the costs of prenatal care, delivery, and postpartum care for eligible individuals. Check with your state’s Department of Health to learn more about available programs.

Do Not buy a private discount plan. This is not health insurance and is not a substitute for maternity insurance coverage.

Does Medicare cover pregnancy?

Medicare does not typically cover pregnancy and maternity care. However, if you have a Medicare Advantage plan, it may provide some coverage for pregnancy-related care. It is important to review your specific plan for details on maternity coverage. This isn’t a huge deal since most 65 Year Old’s don’t need pregnancy coverage. That would just be embarrassing.

What prenatal care can I expect to be covered by my health plan during my pregnancy?

Most health insurance plans cover essential prenatal care, including:

  • Doctor’s visits
  • Prenatal vitamins
  • Screenings and tests, such as ultrasounds and blood tests
  • Vaccinations
  • Nutritional counseling

What delivery costs and after-delivery costs will be covered by health insurance?

Coverage for delivery and postpartum care can vary by plan. However, most plans cover:

  • Hospitalization
  • Labor and delivery
  • Anesthesia (Side-Note make sure your insurance company covers anesthesia in-network. Many anesthesiologists will not tell you they are out of network until you get the bill resulting in huge out of pocket costs.
  • Postpartum care, including lactation support and newborn screenings

Best health insurance for pregnancy

The best health insurance for pregnancy will depend on your individual needs, preferences, and budget. When evaluating plans, consider factors such as coverage for prenatal care, delivery, and postpartum care, as well as premium costs, deductibles, and out-of-pocket maximums. In most cases we recommend ACA or Employer Coverage options.

Short Term Medical Insurance does not offer Maternity Insurance coverage.

Open Enrollment for Individual or Group Health Coverage

Open Enrollment is the annual period during which individuals and families can enroll in a new health insurance plan or make changes to their existing coverage. The Open Enrollment Period for the Health Insurance Marketplace typically occurs in the fall, with coverage beginning the following year. If you are considering getting pregnant or are already pregnant, it is important to review your options during this time to ensure you have the right coverage.

If you don’t have health coverage

If you do not have health insurance and become pregnant, it is essential to explore your options as soon as possible. You may qualify for a Special Enrollment Period, Medicaid or CHIP (Children’s Health Insurance Program), or a health care discount program.

Research your state’s resources and seek help from a brokers such as Florida Healthcare Insurance.

What questions should I ask before choosing a health plan to cover my pregnancy?

Before selecting a health insurance plan, consider asking the following questions:

  1. Who are the Health care providers I want to use?
  2. Will my maternity services be in or out of network?
  3. What is the deductible and out-of-pocket maximum for maternity care?
  4. Are specific hospitals or birth centers in-network, and will using an out-of-network facility result in higher costs?
  5. What delivery services are covered, including C-sections, epidurals, or neonatal intensive care unit?
  6. What postpartum care is covered, such as lactation support or mental health services?
  7. Are newborn care services covered, including well-baby visits and immunizations?

Employer-sponsored health care

Many employers offer health insurance as part of their benefits package. If you have access to employer-sponsored coverage, review the plan details to ensure it meets your needs for pregnancy and maternity care. Keep in mind that if you experience a Qualifying Life Event, you may be eligible to make changes to your coverage outside the annual enrollment window.

Marketplace Health Insurance

The Health Insurance Marketplace/Affordable Care Act offers a variety of health insurance plans for individuals and families who do not have access to employer-sponsored coverage. Plans available through the Marketplace must cover essential health benefits, including maternity and newborn care. When comparing plans, consider factors such as network, coverage details, and costs to find the best choice for your pregnancy and maternity care needs.


Navigating health insurance options for pregnancy can be challenging, but it is essential to ensure you have the right coverage for both you and your baby. Review your existing coverage or explore new options through employer-sponsored plans, Qualified Health Plans, or state-specific programs to find the best plan for your needs.

Remember to ask important questions about prenatal care, delivery, and postpartum coverage to make an informed decision.

Frequently Asked Questions About Pregnancy and Health Care

Can a health plan refuse to let me enroll because I’m pregnant?

Thankfully, no they cannot. In the past, insurance companies could turn you down if you applied for coverage while you were pregnant. At that time, many health plans considered pregnancy a pre-existing condition.

Health plans can no longer deny you coverage if you are pregnant. That’s true whether you get insurance through your employer or buy it on your own.

Even better, health plans cannot charge you more to have a policy because you are pregnant. An insurance company can’t increase your premium based on your sex or health condition. A premium is the amount you pay each month to have insurance.

Will I get the same coverage no matter which state I live in or which plan I choose?

Not necessarily. The law requires most private health plans to help pay for a basic set of 10 essential health benefits, including maternity and newborn care. But the details of what each plan will cover depends on two things:

  • Where you live. Your health plan choices will vary from one state to another, and even within the same state in different zip codes.
  • Which health plan you choose. Although all plans must cover the 10 essential health benefits, the details of how services are covered can vary; for example, all plans must help pay for prescription drugs, but one plan may cover the brand of medication you use while another does not.

The great relief is when you choose Florida Healthcare Insurance, we can help you carefully review your health plan’s summary of benefits, especially to see the specific set of prenatal and maternity services it covers and whether your preferred obstetrician and hospital are in the plan’s network.

What delivery costs and after-delivery costs will be covered by health insurance?

Most health plans will cover much of the costs of delivery and aftercare, but, as with any other stay in a hospital or other health care facility, you may need to pay part of the bill. Your costs may include having to meet your health plan’s deductible as well as copays or coinsurance.

Your deductible is the money you have to spend before your insurance helps pay for your care.

Copays are a flat fee you pay when you see a doctor, such as $20 per visit as an example.

With coinsurance, you pay a percentage of the cost of your medical care.

You can find out what services are covered by your plan and what your costs are likely to be by looking at your health plan’s summary of benefits or by calling your insurance company.

Here are some things you might want to look for to confirm whether your plan covers these services, and if so, how much of the bill you’ll be expected to pay:

  • Labor and delivery services in the setting you choose, such as a birthing center, home, or hospital
  • Alternative birthing options, like water birth
  • Midwife services
  • Enhanced coverage for high-risk pregnancy or pregnancy complications
  • Delivery/C-section costs after infertility treatment
  • Medically prescribed C-section, including recovery
  • Neonatal care

What questions should I ask before choosing a health plan to cover my pregnancy?

We love when our clients come prepared with questions! Ask how much your deductible will be. In general, your deductible goes down as your monthly premium payments go up. Also, take the time to understand other out-of-pocket costs that come with your plan, such as copays and coinsurance.

Ask which providers are in your plan’s network. You’ll want to know which obstetricians, hospitals, and pediatricians participate in the plan. Your plan will likely only cover preventive services in full and at no cost to you if you receive your care from in-network providers.

Review the plan’s full summary of benefits and look it over closely. Pay close attention to any specific services you want or need to make sure they are covered by your health plan.

What happens after my baby is born?

You need to get in touch with your employer, insurance company (we can help), or state Marketplace to add a child to your health plan shortly after you give birth. Many employers require you to add your baby to your policy within 30 days. Having a baby qualifies you for a special open enrollment period in your state’s marketplace and allows you 60 days to choose a plan for your baby or make changes to your existing plan. Depending on your income, your child may qualify for Medicaid or CHIP even if you have a policy through your employer or state Marketplace.

* The exception is grandfathered health plans — those that were in existence before March 23, 2010, and that haven’t made significant changes to their benefits and costs. They do not have to comply with this part of the law. Contact your insurance company or your employer to find out whether your plan is grandfathered. The second exception is short-term health plans, those providing less than 12 months of coverage. These plans are not required to offer you insurance and do not have to include maternity care in their benefits.

For more information or if you would like to speak with one of our agents, please call Florida Healthcare Insurance at (954) 282-6891.

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