Think carefully about dropping any health insurance policy you may have even if it will not cover your pregnancy. There are several reasons for this.
Even if your costs for childbirth aren’t covered your child can be. In most cases if a parent has a valid health insurance policy (even if it doesn’t include maternity insurance), the company will automatically accept their baby so long as the parent so requests before the child is 30 days old. This can be huge! If your child has need for neonatal care the costs can be hundreds of thousands of dollars.
Even a policy that does not cover normal maternity expenses is likely to cover the cost of complications of pregnancy. The complications are considered an illness. For this reason, you are likely to have them covered.
Since you can get sick or hurt while you are pregnant, you should maintain your health insurance even though it may not cover any of your maternity expenses.
You can get sick in such a way that you will not qualify for health insurance even after your child is born. Some women develop medical conditions during their pregnancy that stay with them for long periods of time.
Insurance applicants are denied because of preexisting conditions all the time. If you develop a condition while uninsured, you may not be able to get coverage again.
If apply for other health insurance coverage whether pregnant or not, you should take care not to cancel your existing policy until you have received notice that the new policy has been approved.