So… May be PG and just found out my insurance does not cover maternity… Help

posted 3 years ago in TTC
Post # 4
904 posts
Busy bee
  • Wedding: March 2010

@MrsNewBride427:  I would go in and talk to an insurance agent. Do NOT tell them that you think you might be pregnant. Just let them know that you and your SO would like to start a family soon and want to make sure that you’re covered.


I have BCBS-Federal and my maternity was covered 100%, the hospital told me most people have to pay about 15% (around $4000 for maternity, not including labor/nursery costs) in our area. There are policies out there, but it does get confusing quickly! Good luck on your search and congrats 🙂

Post # 6
992 posts
Busy bee
  • Wedding: January 2010

@MrsNewBride427:  Have you actually called BCBS and asked them directly about maternity coverage. From everything I know about BCBS, they have one of the best coverages of any insurance company, and I find it very difficult to believe your plan doesn’t include maternity. It’s a pretty standard thing to cover with even the most basic insurance.

Also, do you have insurance through work? If so, I would talk to your HR representative and find out what your options are. Same with your DH’s insurance. His could have coverage that yours doesn’t, and you can switch to his plan.

But I would call them first. No need to panic until after you talk to them.

Post # 7
4867 posts
Honey bee
  • Wedding: September 2011

@ExcitedScaredBee:  It’s a pretty standard thing to cover with even the most basic insurance

Not the case, though I wish it was…I am about to leave my job, so my husband and I have been looking for private insurance, and NO basic plans cover maternity. If you’re employed through your job that’s true, but she’s talking private insurance – I’ve spent hours searching and talked to several insurance companies, including BCBS, and many plans have zero maternity coverage. The ones where it’s available as an additional add-on, it costs an extra $275-$400.

OP, you may have to go the Medicaid route if you are currently pregnant, because he other issue with nearly all of these plans is that they do not cover a pregnancy that began before you purchased their insurance plan. It really really sucks. So first things first, wait a bit to see if you are currently pregnant. If you are, I’d apply for Medicaid. If you’re not, call up some insurance companies and inquire about their plans. I know that BCBS does have plans that offer maternity coverage or at the very minimum, plans where it can be added on. So does United Healthcare, that’s who I had insurance through with my job and they covered my maternity care (although I did still end up paying 5k after my 3k deductible and my copay…eek!)

Post # 9
6632 posts
Bee Keeper
  • Wedding: June 2011

@ExcitedScaredBee:  I work for a competitor who is bigger than BCBS so I beg to differ on how good of coverage they have for maternity care. It all depends on what plan it is and not all plans will cover maternity, if a company doesn’t have any females of child bearing ages or no women at all working for them you bet they are not going to take a medical plan that covers maternity. 



Post # 10
3787 posts
Honey bee
  • Wedding: June 2011

Wow. So I’m glad I saw this thread. I feel like an idiot now. We have known we would need to buy a private insurance plan (DH is starting his own company and is going to leave his work and I don’t have insurance offered right now either). I had no idea that individual insurance basically never covers maternity. Which, pretty much would mean no matter what I’d have to apply for medicaid. 

Not to get political, but that’s total bs. Pregnancy and maternity care are the most basic of services. 

Post # 11
2694 posts
Sugar bee

When I worked for a very small company three years ago, I had to go find my own private insurance and my employer reimbursed it up to $300. They all stated that maternity was not covered but you can get a separate maternity plan for an additional $350/month BUT you could not be pregnant before signing up for it. IT SUCKS! I really do think they are discouraging people from having babies. 

Oh I don’t even want to get started on what a load of poo insurance companies are.

Post # 12
11668 posts
Sugar Beekeeper
  • Wedding: November 1999

There is maternity insurance out there but most require it be purchased before you’re pregnant.  call around and don’t say you may be Prego!

Post # 13
9137 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

When I was shopping for individual insurance I quickly found out that any maternity plan was going to cost me at least $250 per month and it wouldn’t cover a pregnancy or delivery until you paid one year’s worth of premiums.

I truly hope you aren’t pregnant if you need special care during your pregnancy because you may not even qualify for Medicaid or it may be share of cost which means money out of pocket before the Medicaid kicks in (and you’re stuck with Medicaid providers/doctors which are hit or miss at best.)

If you get a BFP I would highly recommend speaking to your OB/GYN immediately to see what they suggest.  I know women who have worked out deals where they pay the doctor $5000 for an uncomplicated pregnacy (but if your’s is absolutely going to be complicated, you may not be able to work out a deal.)  Even with the deal however, they still have to pay the hospital which is going to charge another $5-10,000 for the use of the hospital bed for two days; not to mention consult fees of any other doctors or nurses that see you and/or the baby while you’re in the hospital.

If you do not get a BFP on this cycle, you need to seriously consider the financial ramifications of getting pregnant right now without any kind of insurance.  Being destitute and in massive debt for the next 10 years is probably not going to be healthy for your future baby or relationship.

Post # 14
11300 posts
Sugar Beekeeper
  • Wedding: August 2013

Whaaaaaaaaaaat? I, unfortunately, don’t qualify for insurance with my company, but I’ve looked at their BCBS plan and they cover a really good chunk of maternity costs. :

Post # 15
7135 posts
Busy Beekeeper
  • Wedding: June 2015

I would get right on that medicaid if you are in Florida to see what your options are. Florida is one of seven states currently rejecting the medicaid expansion via ACA. I don’t know how that will impact their program. They ( state leg) just passed transferring 3 million state Medicaid patients to private managed care.

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