Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Pregnant woman tries to buy health insuranceIf you are pregnant and you don’t currently have health insurance, you may find it next to impossible to purchase health insurance to cover the pregnancy. This is especially true if you were not previously covered by any type of policy.

The insurance company will view the pregnancy as a pre-existing condition and refuse to cover anything related to the pregnancy.

To compare insurance rate quotes on policies use the free tool on this page!

Being pregnant can be very exciting. However, many things can happen during pregnancy that may end up costing you a lot of money. In addition, a normal, healthy pregnancy and delivery can cost around $6,000 to $15,000, depending on where you live.

Having health insurance offers you more than simple health coverage, it offers you protection against the cost of complications, extended stays in the hospital and even excessive Rx fees. This is why having health insurance while you are pregnant can take the stress right out of your everyday life.

Before you get completely frustrated about your lack of health insurance, there are a couple of things that you can try in an effort to get the health insurance that you need.

No Refusals with Most Group Health Plans

Group health insurance, in general, is health insurance that accepts its members with no questions asked. There are no physicals, no questionnaires and no restrictions for most group health plans. As you may have guessed, this may not necessarily apply to every group health plan available, but it does apply to the majority. You see, HIPPA protects you when it comes to group health plans and with this type of plan, you can get the coverage you need.

Here is the exception; HIPPA ensures that someone who had group health insurance previously cannot be refused for group health insurance with a new company. If you don’t have insurance and didn’t have insurance, then HIPAA does not apply. The good news is that most group health insurance plans will cover your pregnancy regardless; if they want to refuse to cover you, however, they legally can.

Getting group health insurance isn’t as easy as going to your local insurance office, however, it has to be offered through an employer. If you already have a job, question your company about the possibility of getting group health insurance. This is probably a long shot if they don’t already have it, but it is certainly worth a try, especially if you have been with the company for a while.

If you aren’t currently employed or you cannot get group health insurance through your current employer, then you need to look elsewhere. One option is to find a job with a company that offers group health insurance.

This can be tricky because it is a tough job market so don’t quit your old job before finding something new. In addition, you may have to wait 60 to 90 days before the insurance is available as a new employee, but once it is, you can get the coverage that you need. There are even companies, such as Starbucks, that offer group health coverage for part time employees, so that is something to consider as well.

Another option is to get health insurance through you spouse or partner. This is probably more ideal than being pregnant and starting a new job. The one problem that arises, however, is that if your spouse or boyfriend has a group health insurance options, you have probably missed the enrollment window. For some companies they stagger enrollment to match an employees start date but the majority of companies have an common date for enrollment, such as January first.

If you aren’t married to the father of your child, it may not be possible for him to add you to his health insurance policy. It really depends on the company he works for as well as the state you live in. For example, if you have been together for a certain amount of years, you may legally be viewed as his spouse in some states and the insurance company may recognize that for insurance purposes.

Like you, your partner has the option of finding a second job or a new job that offers group health insurance. This may not be ideal but you should feel good in the knowledge that if it’s a second job, it’s only temporary, and the extra money can come in handy for the costs of parenthood.

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Try Government Options

This isn’t for everyone, but you might be able to get health care coverage through Medicaid. The first thing you need to understand about this option is that not everyone will qualify because there are income restrictions for using Medicaid. In some states, however, these restrictions are quite generous. For example, in North Carolina you can make as much as $3000 a month and qualify for coverage.

There are some restrictions when using Medicaid, the biggest being that you can only use your insurance for pregnancy related issues. If you get sick, have an accident, etc. this insurance won’t cover those fees. If you don’t have insurance already, then you are living with those issue anyway and it doesn’t make much of a difference, you just need to understand that you still don’t have comprehensive coverage with Medicaid.

In addition, Medicaid has to approve any medication that your doctor wants to give you and how they are administered. For example, if you need progesterone, Medicaid will approve shots or pills but not a suppository. It is important that you and your doctor understand what is covered and what isn’t, medications can be quite expensive if your insurance doesn’t pay for it.

Your choice of doctor may be limited as well as you have to see a physician that accepts Medicaid. Many don’t because the government negotiated prices are very low and a doctor might get, on average, $20 in payment from Medicaid for every visit that you make.

The good news is that with both Medicaid and group health insurance, your new baby has automatic coverage for whatever procedures are needed while you are in the hospital. Don’t forget to enroll him, or her, after you get out of the hospital so that the coverage doesn’t lapse.

Check with Local Charities

Some charities work hard to ensure that every pregnant woman who comes through their doors has at least some options in terms of health care during pregnancy. Check churches in your area and call your local OB to see if they know of an organization that provides at least some care during pregnancy. This type of care probably won’t be comprehensive, but it is better than having nothing at all.

The bottom line is that having health insurance is better than not having health insurance and you need to protect yourself with a good health insurance plan. Even if you are pregnant, you can purchase private health insurance. Your pregnancy, however, will not be included in your coverage.

If you have decided that now is the time to purchase health insurance if just to ensure that you can have care for other issues that may arise, then you should start with our free quote tool. It is easy to use and you can get quotes today.

Type in your zip code and get instant health insurance quotes today!