Did you know that it’s possible to have health insurance without maternity coverage? If you’ve been on the same plan for more than five years, your health insurance may not include maternity coverage. If you’re planning to get pregnant, be sure to check your benefits. All ACA-compliant plans are required to include maternity coverage. Not having maternity insurance coverage can be very expensive.
If you’re planning to become pregnant, start shopping for ACA-compliant plans that have the maternity coverage you want with the doctors and hospitals you wish to visit during your pregnancy. You won’t be able to buy this insurance any time – you’ll need to wait for open enrollment, which begins November 1, 2017 and ends December 15, 2017.
If you’ve looked at health insurance and think it’s too expensive, chances are that having insurance is a lot cheaper than not having insurance – especially if you experience complications throughout your pregnancy. It’s good to know that even if you’re pregnant, you can’t be denied coverage for your maternity care.
If you’re already pregnant and don’t have health insurance with maternity coverage, you won’t be able to get coverage until the baby is born (unless you’re eligible for BadgerCare Plus). If you aren’t eligible for BadgerCare Plus, the birth of a child means that you are eligible for a Special Enrollment Period and you will be eligible to buy health insurance if you enroll up to 60 days after the birth. This, however, does not mean that your health insurance provider will cover the expenses for your recent pregnancy and birth.
This still leaves you with no insurance for prenatal care and delivery. However, you may qualify for prenatal services, and a good place to check is the Public Health Information & Referral Services for Women, Children and Families.
Need more information about signing up for maternity health insurance? Get a quote for health insurance with maternity coverage in Wisconsin, or talk to a knowledgeable and helpful customer service representative at 800.362.3310.
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