Having a good health insurance plan in place is only half the battle of keeping the cost of having a baby within reach.

The network of providers plays a crucial role along with the deductible and other “consumer-oriented” plan features.

Balance billing can hit parents with large surprise expenses. Be prepared.


Uninsured pregnant women that make too much money to qualify for Medicaid should review the rules for counting income and household members before taking the next step.

File an appeal if warranted.
You can buy coverage in the private marketplace that covers preexisting conditions and get help with premiums – but the new policy may not start in time.


Medicaid is often the ideal form of maternity insurance because you can start when already pregnant, and the government funds most of the premiums.

However, qualification is not automatic because women who earn too much money might surpass the income limits. Learn inside tricks to avoid unnecessary rejection.


Pregnant women who meet income eligibility criteria benefit from a wide array of medical services offered by Medicaid. However, the entitlement program does not cover everything in every single state.

Pregnant women could qualify for four different programs – each with a unique set of benefits. In addition, each state set rules for what services it provides.


A variety of health insurance programs provide maternity benefits with no waiting period for preexisting conditions. The Affordable Care Act requires insurers to offer this benefit.

However, the start date of the coverage is a different issue. Public programs such as Medicaid can begin right away. However, private policies may force a delay until January 1 – unless you find a loophole.


The ideal choice of health insurance plans during your pregnancy keep premiums low while helping you avoid leftover medical expenses.

However, this combination requires extra homework because of the wide range of outcomes. Childbirth is risky business.


Supplemental maternity insurance coverage fills common holes found in almost every healthcare program. Normal childbirth is very expensive. Complicated delivery costs skyrocket quickly. Every plan has deductibles and cost sharing. Most women take an unpaid maternity leave.

Enjoy cash benefits paid directly to you when you are admitted to the hospital to deliver your baby, and when taking time away from work to recover from childbirth.


Contribution limits are the one rule regarding depending care flexible accounts that most parents would like to change. The average cost of childcare for just one child is much larger than the annual limit, which leaves parents with greater out of pocket expenses.

The use-it-or-lose-it rule rarely comes into play with this form of FSA. The other regulations make it almost impossible for parents to overestimate, and lose their annual contribution.


How much money should you contribute to your flexible account during your pregnancy? This is a common question, with a difficult answer. Many healthy pregnancies generate a modest amount of predictable medical expenses: extra doctor visits, testing, labor, and delivery.

Unpredictable medical events happen during pregnancy as well. However, it is better not to include these in your projected expenses. You might lose some money.