Maternity Coverage

Maternity coverage is now a right! As of 2014’s Affordable Care Act, every insurance plan that’s offered to individuals, families, and small groups must have maternity coverage. This is essential because pregnancy, labor, delivery, and newborn baby care are fundamental to the health of both mother and child—and can be prohibitively expensive. Thanks to the passing of the Affordable Care Act, women who become pregnant have a right to prenatal screenings, and lower labor and delivery costs are best for growing families.

The transition to coverage has been rocky for many people. Lacking the appropriate insurance plan was difficult, but the transition has been confusing for many. There are also many who are disappointed at what the mandate does not cover. For example, maternity coverage doesn’t cover fertility treatments for women who are having difficulty conceiving. It also doesn’t always cover every test that an expecting woman would desire for her child and herself.

It’s important to note that pregnancy doesn’t count as a preexisting condition. Even if you become pregnant before your insurance takes effect, your pregnancy and related childbirth expenses will be covered.

Though maternity coverage was rolled into every health plan via the Affordable Care Act, there are some separate plans that still exist. Maternity coverage used to be able to be purchased as a separate insurance from your basic, and there are some plans that still exist for this purpose. Women who anticipate pregnancy and wish to purchase a separate plan might have to begin their coverage before their pregnancy begins for these separate plans. With the cost of hospitalization rising and more and more women being induced (an expensive procedure) many women are just more comfortable knowing that they have extensive insurance options at their disposal, no matter which procedures they require as part of delivering a healthy and happy baby.