Can I Get Health Insurance If I’m Pregnant?

April 15, 2010 No Comments »


While this situation may arise frequently, it remains a difficult position to be in.

When it comes down to it, there aren’t many options out there for women who become pregnant and don’t already have health insurance in place.

One of the best available options to obtain health insurance after you become pregnant is to get a job with a company that has a health insurance plan.

Of course, you’ll probably have to be a full-time employee in order to qualify for the employer plan, which typically takes three months, so the timing would need to be ideal.

Check out some health insurance options if you don’t have a job.

Do note that the Health Insurance Portability and Accountability Act (HIPAA) does not force insurance companies to insure women who are pregnant (as a pre-existing condition).

Rather, it states that you cannot be turned down for coverage by a new employer if you are pregnant and change jobs. There tends to be a lot of confusion regarding this matter.

Medicaid insurance is another available option for the uninsured pregnant woman.

However, you must meet certain low-income criteria to be a candidate for Medicaid, so it’s not always a viable solution for expecting mothers with no existing healthcare coverage.

Along the lines of Medicaid, the Children’s Health Insurance Program, or CHIP, is available in some states for those who earn too much money for welfare programs, but too little money to be able to afford healthcare.

But you likely won’t qualify for this program until after the baby is born, so this isn’t effective coverage for prenatal care.

If you do not qualify for, or cannot obtain healthcare through the means discussed above, you have the option of receiving care and delivery services at a county hospital.

Unexpected pregnancies are a perfect example of why you need health insurance, even if you’re young and perfectly healthy.

Related: Can I get health insurance for my girlfriend?

(photo: SuhelSheikh)

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