How to Cover a Pregnancy With Health Insurance

A pregnancy, whether planned or unexpected, is a life-changing experience that can be expensive if not covered by health insurance. It's important to find a policy that provides the best care for mother and baby during pregnancy and in delivery. Know how to cover a pregnancy with health insurance to get the best care for the most reasonable price.


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    Know what your current plan provides.
    • The first step to covering a pregnancy with health insurance is to determine what coverage is available to you through your health insurance plan. Contact your employer's human resources department or benefits coordinator to find out what prenatal care and tests will be covered under your current policy, as well as how to go about covering your baby on your policy after delivery.
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    Keep your job.
    • Avoid switching jobs while you're pregnant or if you're trying to get pregnant. Obtaining and activating health insurance at a new job could take up to a few months, which will make it harder to cover a pregnancy with health insurance, because you'll likely have to pay out of pocket for care while waiting for the new coverage to start.
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    Apply for Medicaid.
    • Find out if you meet the income and housing requirements to qualify for Medicaid in your state and apply if you have no other coverage.
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    Learn the specifics.
    • Some health insurance policies cover outpatient or prenatal care and doctor checkups while you're pregnant, but not the hospital or surgery expenses. Know what specific pregnancy expenses are covered under your health insurance plan so you don't face unexpected charges after delivery.
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    Opt for comprehensive coverage.
    • Insurance companies will often itemize pregnancy expenses as inpatient or outpatient and will only cover one category of treatment or the other. Comprehensive health insurance plans will cost a little more, but will cover both kinds of care during your pregnancy.
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    Apply for COBRA.
    • The Consolidated Omnibus Budget Reconciliation Act (COBRA) provides interim medical coverage for people switching jobs until insurance coverage under their new employer begins. During this period, you pay the full monthly premium instead of the bill being footed by your employer. This is an extension of the coverage you had with your former employer and premiums are usually paid to that employer's human resources or benefits department.
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    Contact the health department.
    • Find out if your state or local health department offers pregnancy insurance coverage or assistance programs to help you pay for prenatal and pregnancy care. These departments often provide health insurance coverage to expecting mothers who aren't eligible for other coverage.

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Categories: Health Insurance | Pregnancy