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Having a baby changes your life. While they're a joy and a blessing, babies also cost money—and that begins before they're even born. When you become pregnant, it's important to have health insurance. Having health insurance will save you a lot of money during the pregnancy and ensure that you get all of the proper check-ups and care you and baby need. Moms-to-be who don't have proper insurance may be more likely to skip out on necessary appointments in order to save money. Don't put yourself in that position!So how does health insurance work when pregnancy is involved? It's a common misconception 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. And guess what? Now, thanks to the Affordable Care Act, every qualified health plan—whether offered outside or inside the Health Insurance Marketplace—has to offer coverage for maternity care and childbirth services. There may be some exceptions for grandfathered plans, so be sure to call the number on the back of your member ID card if you’re unsure whether maternity is covered under your plan.If you are pregnant or planning to become pregnant, you'll want to consider your options carefully when it comes to maternity and childbirth coverage. When selecting a health insurance plan, ask the following questions:
Do you have more questions about how health insurance works? Ask us below in the Comments.
My wife is pregnant with baby due January 25, 2020 and we are switching from one BCBS of Texas product (employer-provided) to another BCBS product (privately purchased during open enrollment ending Dec. 15, 2019) effective January 1, 2020; how will maternity coverage be applied when bulk of prenatal visits will have occured in 2019 and the labor and delivery in 2020?
Hello Yanethbaby2020, You can contact our sales department at 855-604-1515 for information on how to obtain coverage. ~ Kayla
How I can buy covered for me I'm pregnant now
Hello, Unfortunately we aren't able to check benefits until after your plan is active. You will want to speak with your employer regarding coverage for any pre-existing conditions. ~ Heather
I find a job at University of Texas at Dallas and I will start my work next month. My find is pregnant now. She is pregnant for 5 months. I am just wondering that BlueCross Blue Shield covers pre-existing pregnancy or not?
My wife is pregnant for six months. Now I find a job in University of Texas at Dallas and Will be start my work next month. I am just wondering to know if BlueCross Blue Shield covers pre-existing pregnancy?
Hi Riley, If you'd like to send us a private message our team can check on your plan's coverage for this testing. ~ Kayla
Do you cover NIPT testing?
Hi Tomas719, If you'd like to send us a private message our team can check on this for you. ~ Kayla
I wanted to know if a breast pump is covered in my plan, but I cant find any information on it.
Hi Anleigh, If you'd like to send us a private message our team can check on your plan's coverage. ~ Kayla
I would like to know if widwives and birthing centers are covered through my insurance?
If I am a dependent, will my pregnancy be covered?
Kevin, Yes, you can contact customer service at the number on your ID card to verify your plan's coverage. We are not able to provide billing codes; those must be obtained from your doctor. ~ Kayla
Thank you Kayla. As a follow up question.:
Once I know the services and CBT billing codes that my doctor considers routine, would I then reach out to BCBS and confirm with you whether those CBT codes are 100% covered ? Assuming my plan covers routine prenatal visits 100%.
Would BCBS be able to provide the CBT billing codes that are 100% covered under my plan if I called to talk to a representative?
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