Health Insurance Coverage While Currently Pregnant
The best time for a woman to secure affordable health insurance coverage is before getting pregnant. Although an expectant mother may be able to get health insurance coverage while pregnant, many health insurance companies consider pregnancy a preexisting condition and may exclude that condition from a new policy.
Even Medicaid, the health insurance program for low income individuals and families, impose limitations to the type of health coverage they provide pregnant women. Someone who is pregnant may indeed be able to secure Medicaid coverage, however the cost of delivering the child (the average cost is $6,000-$8,000, and more for a high risk pregnancy) may need to be paid out of pocket by the insured.
Even if you have an individual health insurance policy, it may take a long period of time for a maternity rider to become active. Many health insurance companies require a 6-12 month waiting period for the maternity benefits to take effect. Even if you have regular health insurance, if you discover you are pregnant, they may not cover the expenses associated with the pregnancy. They key is to try to secure maternity health care coverage before you need it.
The types of health insurance coverage are decided state by state. There are also a handful of states such as Utah, California, Texas, Florida and Colorado that offer short-term maternity health insurance coverage.
It is important to seek any maternity health care coverage you can while pregnant. Even if it may be limited, some insurance is better than none.