What delivery costs and after-delivery costs will be covered by health insurance?
Health plans will cover the costs of delivery and aftercare, but, as with any other hospital stay, you may need to pay part of the bill. Your costs may include the deductible and, after that, copays for doctor services.
Your deductible is how much you have to spend before the insurance plan starts to help pay for your care. Copays are per-visit payments, typically around $20 per visit. You can find out the exact deductible and copay amounts by looking at your health plan's summary of benefits.
Here are some things you might want to look for when you look at a plan's summary of benefits:
- Labor and delivery services in the setting you choose, such as a birthing center, home, or hospital
- Alternative birthing options, like water birth
- Midwife services
- Enhanced coverage for high-risk pregnancy or pregnancy complications
- Delivery/C-section costs after infertility treatment
- Medically prescribed C-section including recovery
- Neonatal care
Am I eligible for Medicaid while I'm pregnant?
All states offer Medicaid coverage to women who are pregnant and who don't make much money per year. The amount of money you can earn and still qualify for Medicaid varies by state. In most states, if you earn less than $20,000, you will qualify for Medicaid. If you make more than that amount in one year, it depends on the state you live in whether you will be able to get Medicaid. Medicaid for pregnancy-related coverage ends 60 days after you have your baby.
Some states may cover your maternity care under the Children's Health Insurance Program.
What questions should I ask before choosing a health plan to cover my pregnancy?
Ask how much your deductible will be. In general, your deductible goes down as your monthly premium payments go up.
Ask which provider networks your plan uses. You'll want to know what obstetricians, hospitals, and pediatricians are covered fully by the plan.
Ask to see the full summary of benefits and look them over closely.