Finding maternity insurance when you are already pregnant can be difficult. Insurance companies that cover maternity will often deny coverage to women who are pregnant when they apply.
Coverage may not be available to you in the private market. This is unfortunate because the best policies for health and maternity coverage are generally found from private insurers.
If you are able to find coverage through a group health insurance policy, you may be able to get private health insurance. This can dramatically lower the amount of money you will have to pay for the birth of your child.
If your employer will have an open enrollment period before your due date, you may be able to sign up and get coverage. For most women, the vast majority of the medical care needed for their pregnancy will be needed in the hospital when they give birth. This means that getting coverage before your due date will entitle you to having most of your bills covered.
If your domestic partner or spouse has an open enrollment at their job before your due date, you may be able to be added to his or her policy. This can also save you a lot of money.
If you cannot wait until the next open enrollment period, there is one more strategy that may be available to you. If you marry someone who has group insurance, you will probably trigger a special open enrollment period. You may be able to get coverage right after your marriage even if the regular open enrollment period is months away.
- Be sure to make sure that any policy you apply for includes maternity coverage.
- Be aware of any waiting period before you are fully covered.
- Make sure you fully understand any policy you apply for.
- Do not drop any existing coverage before you have an official approval notice from the new company.
Always make sure that any advice you get regarding health insurance is applicable to your city and state. Many health insurance regulations are state-specific.
If you are already pregnant and the strategies above will not help you, consider calling your local planned parenthood office. They may be able to tell you about programs available from your local government. There may be other resources that are specific to your area that they can tell you about.