What You Need to Know About Pregnancy and Health Insurance: The Basics

Finding out you’re going to be a parent is life changing. While kids are a beautiful 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.

If you are planning to become pregnant or are pregnant, you'll want to consider your options when it comes to maternity and childbirth coverage. Also don’t forget that pre-natal care is an important part of a healthy pregnancy. Moms-to-be who don't have proper health insurance coverage may be more likely to skip necessary appointments in order to save money. Don't risk it!

So how does health insurance work when you’re pregnant? Many people think 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.
Now, thanks to the Affordable Care Act, (ACA) every qualified health insurance plan—whether offered outside or inside the Health Insurance Marketplace—has to offer coverage for childbirth services and maternity care. There may be some exceptions for grandfathered plans. You can call the number on the back of your member ID card if you’re unsure if maternity care is covered under your plan.

Having health insurance during your pregnancy will save you tons of money. It can also ensure that you and your baby get all of the proper check-ups and care needed. When selecting a health insurance plan, ask the following questions:

  • How many prenatal visits am I allowed?
  • Does the plan cover midwife or doula services?
  • 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?
  • Do I qualify for any tax credits that will make this plan more affordable?

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