Health Insurance While Expecting A New Baby

Time is of the essence in planning your family

You must really consider being prepared to have a policy in place before you become pregnant.

In Nevada, a normal birth without complications costs nearly $14,000 on average, and a C-section can cost $18,000 or more for those who do not have health insurance. Once you factor in prenatal and postnatal care, out-of-pocket costs soar to $30,000 or higher.

For many women, pregnancy and childbirth are among the most expensive health care costs that they will face in their lifetimes, and without adequate health insurance coverage, they can end up with tens of thousands in medical debt. Fortunately, if you are pregnant and you do not have health insurance, there may be ways that you can get the coverage that you need.

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Pregnancy and the Affordable Care Act

The Affordable Care Act guarantees 10 essential health benefits to individuals with major medical insurance. Among these benefits is maternity care, meaning that all health insurance plans purchased through employers or on the Marketplace cover medical care during pregnancy, childbirth and postnatal care.

Prior to ACA, many plans on the individual marketplace did not cover pregnancy for new enrollees, meaning that the health insurance company could deny coverage for women who were pregnant women they signed up for their policy or charge them more.

Under ACA, pregnancy is no longer considered to be a pre-existing condition. Health insurance companies cannot deny coverage to pregnant women or charge them more for coverage. However, in most states, pregnancy is not a life event that opens a Special Enrollment Period. This means that it does not qualify you to sign up for health insurance or make changes to your policy outside of the yearly Open Enrollment Period.  You must do this during “Open Enrollment”.

Getting Health Insurance While Pregnant

Pregnant women may have avenues through which they may be able to sign up for health insurance or receive affordable care.

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Medicaid

In Nevada, pregnancy is covered under Medicaid and Nevada Check Up for women and children who meet income guidelines.

Community Health Centers

Community health centers receive federal funding to provide free or low-cost services to area residents. Some community health centers only serve uninsured patients or those who meet income restrictions, while others offer services to everyone regardless of income or health insurance status.

Local Charities

Some charities and religious organizations have free or low-cost clinics that provide free medical care for pregnant women.

Self-Pay Option

Many hospitals have special programs or sliding fee schedules for uninsured pregnant women who are paying for their care out of pocket. While this is still an expensive option compared to having care covered by health insurance, it can help you save a lot of money.

Finding Health Insurance for Pregnancy with Nevada Insurance Enrollment

At Nevada Insurance Enrollment, our health insurance agents provide unbiased advice to help you understand your health insurance options and find the right coverage for your needs, even if you are pregnant.

Related Articles:

Health Insurance Coverage for Newborns

What You Need to Know About Obamacare Health Insurance

What Are Essential Health Benefits and Who Has to Have Them?

What Is Covered by The Affordable Care Act (ACA) Health Care Plans

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