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What health insurance services are covered for pregnant women?

Most employer and ACA-compliant individual plans (including those purchased both on and off the exchange) are required to cover a variety of maternity services. These include prenatal appointments and screenings, folic acid supplements, and breastfeeding services – all of which are considered preventive services and thus must be covered without any co-pay. Childbirth and newborn care must also be covered.

Medicaid programs are similarly required to cover maternity care without cost-sharing for women who qualify. If you are part of a lower-income household, enrolling in the exchange is a great way to quickly see whether you are eligible for programs like Medicaid.

Plans not bound by ACA requirements, such as short-term care insurance, typically do not offer coverage for maternity services.

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What kinds of preventive services will my plan cover? Do they involve cost sharing?

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