Finding medical insurance that covers maternity expenses via a private insurance carrier while you are already pregnant is difficult or impossible. Insurance companies will usually consider a current pregnancy a reason reject an application. They will consider the pregnancy to be a pre-existing disease or condition.
The advice below may not be or might not be applicable to you. There are different regulations in different areas. The exclusions and limitations you might find on a given policy might mean that a pre-existing disease or condition you expect to be covered isn't.
It is important to know the limitations of your medical insurance plan before you purchase it.
It is also important to keep any current health care insurance policy you might have until you are covered by the new policy. Even if your existing health insurance plan does not cover maternity expenses, you should think twice or even three times before canceling it.
There are three main reasons that you should do this. The first is that you may have an otherwise covered sickness or injury not associated with your pregnancy that triggers a major health care expense. The second is that you may have or develop a serious medical disease or condition that will keep you from getting coverage in the future. The third reason is that even though the health expenses of a normal pregnancy might be excluded from your policy, your plan may include coverage for complications. Complications of pregnancy are considered a disease. Pregnancy is not.
In many situations, private health insurance will not be an option. Most insurance companies will automatically deny new coverage for pregnant women. However, there are some exceptions.
Group or employer-sponsored medical insurance may offer an opportunity for you to get coverage. These types of policies are governed by different regulations. Medical history is less often a factor in your being eligible for a group health insurance policy.
Employer-sponsored medical insurance policies will often cover preexisting disease or conditions. If, you can get coverage through a group contract before you give birth, you may be able to get the health insurance company to cover most of your bills.
Of course, the group medical insurance coverage plan in question will need to cover maternity. Not all will. Many health insurance policies will specifically exclude maternity related expenses.
In a typical pregnancy the vast majority of the medical care will be needed just before, during and immediately after the birth of the child. This means that if you can get coverage before you have your child, you can avoid most of the medical expenses.
If your employer offers group medical insurance, and they will have an open enrollment period before your due date, you might be able to get coverage for your expenses in the maternity ward. This can help you dramatically reduce your financial exposure.
If your spouse or domestic partner has group medical insurance available through his or her work, you may be able to take advantage of his or her next open enrollment period. This may also be a viable option for you.
If you are married at this time, but get married to someone with group health insurance, you may be able to get insured by their contract during a special open enrollment period. Getting married usually allows a spouse be insured by the other spouse's health insurance plan right away without waiting for the next open enrollment period.
The approaches listed above might not work for you. Group insurance often provides the best coverage. However, if you are not able to get coverage that way there may be programs available from your local, state or from the federal government that can help you limit your exposure.
To learn about the options you qualify for via other stratagems and via local, state or federal-based programs, contact the hospital where you intend to deliver your child. They might be able to point you in the right direction.