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Pregnancy Health Insurance

Pregnancy Health Insurance provides prenatal and maternal care. It is recommended to obtain health insurance including maternity coverage before you get pregnant as pregnancy is considered a pre-existing health condition. Insurance companies view people with pre-existing health conditions as high-risk candidates and may turn them down. Moreover, if you get a new insurance plan it wouldn't cover your pregnancy immediately. A federal law known as HIPAA is the only protection against pregnancy being treated as a pre-existing condition, but there are lots of people to whom HIPAA rules do not apply and HIPAA considers mainly group health plans.

However, there are a number of options available to pregnant women.

Government funded programs include Medicaid and WIC (Women, Infants and Children). Medicaid offers medical assistance for low-income families and individuals. WIC provides the coverage of low-income women, infants and children under the age of five.

You also may apply for Health Care Discount Programs that can save you up to 60% on medical expenses. Among them are Maternity Advantage and AmeriPlan. Since it is not insurance, all pre-existing conditions are covered. Discount programs can provide you with a comprehensive maternity plan.