When your family is growing, there’s a lot on your mind. Don’t forget insurance coverage during pregnancy.
Pregnancy and childbirth care are covered by all Health Insurance Marketplace and Medicaid plans, even if the pregnancy begins before the coverage takes effect. Don’t have insurance in place? Having a baby qualifies you for a Special Enrollment Period (SEP). After you give birth, you can enroll in or change Marketplace coverage even outside of the Open Enrollment Period.
Services provided before and after your child’s birth are considered essential health benefits, so all qualified health plans must cover them. However, some grandfathered individual health plans aren’t required to cover pregnancy and childbirth, so consult your plan documents or Human Resources representative just in case.
Prenatal care and childbirth are also covered by Medicaid and Children’s Health Insurance Program (CHIP), state-based programs that cover pregnant women and children below certain income levels. Eligibility and benefits can vary by state or program. You can also apply for Medicaid or CHIP any time outside of Open Enrollment, either through your state agency or by filling out a Marketplace application.
Pregnancy is a busy time, so knowing you and your baby are covered can provide some needed comfort and reassurance.