Other

Health Coverage Options for Pregnant or Soon to Be Pregnant Women | HealthCare.gov

all medicaid and health insurance market® plans cover pregnancy and childbirth. this is true even if your pregnancy begins before your coverage begins.

Maternity care and newborn care (services provided before and after the birth of your child) are essential health benefits. this means everything

Reading: How to apply for health insurance when pregnant

choose your situation below to learn more:

  • See also: What To Do If An Insurance Company Is Stalling Your Car Accident Settlement

    if you are pregnant or plan to become pregnant:

    • if you don’t have health coverage
    • if you currently have Marketplace coverage
    • if you may qualify for medicaid or the children’s health insurance program (chip)
    • If you recently gave birth:

      • if you don’t have health coverage
      • if you currently have Marketplace coverage
      • if you have medicaid or chip
      • if you are pregnant or plan to become pregnant:

        if you don’t have medical coverage

        • Health coverage makes it easier to get the checkups and screenings to help keep you and your baby healthy during pregnancy.
        • If you qualify for a life event like moving or losing other coverage, you may be able to enroll in a Marketplace health plan right now. being pregnant does not make you eligible, but the birth of a child does.
        • Create an account now to apply for Marketplace coverage during open enrollment or a special enrollment period. If you select the option for help paying for coverage on your application, you will be asked if you are pregnant. Reporting your pregnancy can help you and your family members get the most affordable coverage.
        • If you don’t qualify for a special enrollment period at this time, you will be eligible to apply within 60 days after the birth of your child. You can also sign up for coverage for the next plan year during the next open enrollment period this fall.
        • if you are eligible for medicaid or chip, your coverage can start at any time.
        • if you currently have market coverage

          • If you want to keep your current Marketplace coverage, do not report your pregnancy to the Marketplace. When completing your Marketplace coverage application, select the “learn more” link when we ask if you’re pregnant for tips to help you better answer this question.
          • If you report your pregnancy, you may qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). if you are found eligible for medicaid or chip, your information will be sent to the state agency and you will not be given the option to keep your marketplace plan.
          • If you keep your Marketplace coverage, be sure to update the application after you give birth to add the baby to the plan or enroll them in coverage through Medicaid or Chip if they qualify.
          • if you may qualify for medicaid or the children’s health insurance program (chip)

            • medicaid and chip provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, and pregnant women.
            • Eligibility for these programs depends on your household size, income, and citizenship or immigration status. specific rules and benefits vary by state.
            • You can apply for Medicaid or Chip at any time of the year, not just during the annual open enrollment period.
              • You can apply 2 ways: directly through your state agency or by completing a Marketplace application and selecting that you want help paying for coverage.
              • learn how to apply for medicaid and chip.
              • If you are found eligible during your pregnancy, you will be covered for 60 days after delivery. after 60 days, you may no longer qualify. your state medicaid or chip agency will notify you if your coverage is about to end. You can enroll in a Marketplace plan during this time to avoid a coverage gap.
              • if you have medicaid when you give birth, your newborn is automatically enrolled in medicaid coverage and will remain eligible for at least one year.
              • if you recently gave birth

                if you don’t have medical coverage

                Important: Having a baby qualifies you for a special enrollment period

                See also: What is HO4 Insurance? – Lemonade Insurance

                This means that after you have your baby you can enroll in or change coverage in the Marketplace even if you’re out of

                • It is important to have access to health care services for both the new mother and the baby. be sure to apply within 60 days after the birth of your baby. your plan may cover you, your baby, and any other household members.
                • if you had medicaid or chip coverage that ended after giving birth (or if your state told you it will end soon), you can apply for coverage from the marketplace. losing other coverage qualifies you for a special enrollment period. when you fill out your application, select that the state agency found you ineligible for medicaid or chip.
                • if you currently have market coverage

                  Important: Having a baby qualifies you for a special enrollment period

                  • If you already have Marketplace coverage when your baby is born, you can:

                    • keep your current plan and add your baby to your coverage, or
                    • Create a separate enrollment group for your baby and enroll them in any plan for the rest of the year. note: the ability to select any plan only applies to your baby. generally, you will not be allowed to change plans
                    • No matter when your child is born, you must report your child’s birth to the marketplace by updating your application as soon as possible. your coverage options and potential savings may change as a result. You may qualify for more savings than you receive now, which could lower what you pay in monthly premiums.

                      See also: What if the Other Driver Doesnt Have Insurance? – Mirman, Markovits & Landau, P.C

                    • when you update your application, we will also tell you if you or your baby may be eligible for medicaid or chip.
                    • Log in to your account to “report a life change”.
                    • if you have medicaid or chip

                      • If you are found eligible during your pregnancy, you will be covered for 60 days after delivery. after 60 days, you may no longer qualify. your state medicaid or chip agency will notify you if your coverage is about to end. You can enroll in a Marketplace plan during this time to avoid a coverage gap.
                      • if you have medicaid when you give birth, your newborn is automatically enrolled in medicaid coverage and will remain eligible for at least one year.

Related Articles

Leave a Reply

Your email address will not be published. Required fields are marked *

Back to top button