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Insurance for Pregnant Women

The best way to plan for insurance for pregnant women is to obtain health insurance far enough in advance of pregnancy to ensure coverage once the pregnancy has begun. Since new health insurance plans can take months before beginning coverage, an uninsured pregnant individual may lose insurance coverage for the first months of pregnancy.

Selecting Insurance for Pregnant Women

When selecting health insurance for pregnant women, keep in mind the following:

  • Research the pregnancy medical insurance coverage of the existing or potential insurance provider. Find out what kind of pregnancy coverage is provided for birth, adoption as well as throughout the pregnancy. Consider the pregnancy health insurance coverage during maternity, preventative and for well-baby care.
  • Make sure that potential or current employers provide health insurance with pregnancy coverage.
  • Because of the wait time for some coverage, try and avoid changing jobs during the pregnancy.
  • Consider Medicaid as an option for health insurance with pregnancy coverage if you meet the low-income and uninsured requirements.
  • Contact state offices for information on pregnancy health insurance and ask what types of low-cost insurance plans are available through your state.
  • Consider COBRA as an alternative to new pregnancy medical insurance if you are between insurance plans or jobs.
  • Some professional organizations, like many employers, offer group health insurance options and benefits that can potentially provide health insurance with pregnancy coverage.

Other considerations include:

  • Pregnancy is not considered a pre-existing condition under the Health Insurance Portability and Accountability Act. Therefore, switching plans while pregnant should not be a problem, but consider the options above when selecting insurance for pregnant women.
  • Newborns and adopted children need to be enrolled under the health insurance plan within thirty days of birth or adoption in order to be covered for pre-existing conditions.
  • According to the Newborn’s and Mothers’ Health Protection Act, health insurance with pregnancy coverage must allow mothers and newborns to remain hospitalized for 48 hours after a vaginal birth and 96 hours after a cesarean.

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