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Affordable Maternity Health Insurance

Most people assume that maternity health insurance will be covered by their health insurance plan. In fact, many health insurance policies don't include maternity coverage unless you pay a much larger premium, and it might not be available at all. So, finding affordable health insurance with this coverage is something you should do as part of planning a family. It could be challenging, but not impossible, to find a health insurance provider to insure you if you are already pregnant and do not have health insurance.

Maternity coverage may be available as supplemental pregnancy insurance or a rider on your current health insurance policy. You should know that maternity insurance coverage will probably increase your health insurance premium considerably.

If you don't have maternity health insurance coverage and you want to start a family in the near future, you need to find a health insurance policy that will pay for maternity care. You should know that many health insurance companies require you to be a policyholder for 3 months or even a year or more before conception, or the expenses will not be paid for by the policy.

Newborns & Mothers Health Protection Act: Requirements for Maternity Health Insurance

The Newborns and Mothers Health Protection Act states that if a health insurance policy pays for maternity insurance or newborn care, they must allow 48 hours in the hospital for a natural birth and 96 hours for a cesarean section, unless the doctor and mother agree on an earlier release.

Medicaid: State-Sponsored Health Insurance with Maternity Coverage

State sponsored Medicaid insurance is an option for some pregnant women, so contact the public aid center in your area to see if this is an alternative for you. Maternity expenses from prenatal care to childbirth and the 60 days following are paid for by Medicaid.

Women, Infants & Children Program (WIC)

The U.S. Department of Health has a program known as Women, Infants and Children (WIC) that can help meet the nutritional needs of women who can't afford to meet their own. There are WIC centers across the U.S. that provide supplemental foods, education, food vouchers, baby formula rebate programs, and even a farmer’s market for fresh fruits and vegetables.


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