Health Insurance Benefits and Pregnancy: The Basics

Having a baby is life-changing. While babies are a blessing, they also cost money – even before they're born. That’s why it’s important to have health insurance before, during and after you become pregnant.

Prenatal care is a vital part of a healthy pregnancy. Health insurance maternity benefits help ensure you get the proper checkups and care you and your baby need. Moms-to-be who don't have health insurance coverage may be more likely to skip necessary care, putting mother and baby at risk.

Under current health care law, pregnancy is no longer treated as a pre-existing condition. Thanks to the Affordable Care Act, every qualified health plan offered on and off the Health Insurance Marketplace® must offer coverage for  maternity care and childbirth services. There may be some exceptions for grandfathered plans, so call the number on your member ID card if you’re unsure whether maternity care is covered under your plan.

Before Selecting a Health Insurance Plan, Consider Your Options

If you plan to become pregnant or are pregnant now, consider your options carefully when it comes to maternity and childbirth coverage. When selecting a health insurance plan, ask the following questions:

• How much is my deductible?
• How much will co-pays cost for my sonograms or unexpected hospital visits?
• Do I qualify for any tax credits?
• Does the plan cover doula, midwife or lactation consultants?

You can learn more about your insurance plan options here.