Pregnancy Insurance Options for Already Pregnant Women

Being pregnant is a very happy period, but it can also generate huge expenses in your family. A pregnant woman requires special medical care and this is not at all affordable. Most families can't afford pregnancy and delivery without insurance. Women that plan to become mothers are advised to get pregnancy insurance before getting pregnant. If they don't, they might have a hard time in getting insured. However, there are also options that can be explored by already pregnant women.

If you have a group health plan offered by your employer, you can probably benefit of pregnancy insurance under this plan. You need to ask your employer exactly what is covered for and what's not and, if you are lucky, you might be able to add maternity coverage to the existing plan. If you happen to lose your job, being pregnant gives you the right to remain insured. The Health Insurance Portability and Accountability Act protects you from discrimination and allows you to keep insurance if you remain unemployed.

If your husband has a health plan offered by his employer, he might be able to include you in that plan. He needs to find out if that plan covers for medical expenses in pregnancy and child birth. Insurance plans usually allow husbands to include their wives.

If you can't benefit of any of the options above, you can check if you are eligible for any of the governmental or state sponsored pregnancy insurance programs. One of them is Medicaid and it is available in each state. In order to qualify for it, you need to have a low income. People with more than one source of income might not qualify. Besides Medicaid, there are also Women, Infants and Children or American Plan. They all offer help to pregnant women with low incomes. The programs that are available in your area can be communicated to you by your local department of insurance or by Planned Parenthood.