Trying to Get Pregnant? NEW Fertility Insurance Benefits Available!

Learn about the new fertility insurance benefits available for those trying to get pregnant. Whether you're exploring IVF or facing infertility, these benefits can help on your journey to parenthood.

Get expert recommendations in this video to help you find the best coverage for your needs. Protect your pregnancy and your wallet!

Best Insurance for Pregnancy 2024 Call us at iHealthBrokers. Our services are 1005 FREE 18884100344

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0:50 Fertility Benefits by State
2:56 Expanded Fertility Benefits


Pregnancy is a time that requires a tremendous amount of medical care. On average, without insurance prenatal care costs approximately $2000. Labor and delivery without complications costs over $10,000. However, in the U.S., 1 in 3 women deliver via csection and at least 60% of women have an epidural which can push costs upwards of $30,000! You can absolutely find less expensive options, but should the unexpected arise, you will definitely want health insurance. Additionally, under the ACA women are guaranteed breastfeeding support in the form of breast pumps and lactation counseling.

If you receive insurance through your employer, you are most likely guaranteed prenatal and newborn care unless your plan was somehow grandfathered in before the Affordable Care Act. Check with your HR department for those details. Also, if you were insured through your employer, but you or your spouse were recently laid off, you may be eligible for COBRA.

If you don’t have health insurance and you are pregnant, you may qualify for Medicaid. There are certain financial criteria that you must meet based on the Federal Poverty Level and your state. Generally speaking your income needs to be below 100%200% of the FPL. In some states, you may even qualify for the CHIP program if you are pregnant. Check out Medicaid.gov or contact your Medicaid office to see if you qualify. If you’d like to learn more about Medicaid, make sure to watch our youtube video all about Medicaid.

You can also enroll in a plan through the Marketplace. However, you will most likely have to enroll during the open enrollment period. This is every year from November 1December 15. Coverage begins January 1st. In most states becoming pregnant does not qualify you for a special enrollment period, however in some states it does. Check out healthcare.gov for more information.

Remember, currently, under the ACA you cannot be denied coverage based on your pregnancy status. In previous years, pregnancy was considered a preexisting condition and you could therefore be denied, charged more, or forced to go through a waiting period.

If you don’t have health insurance, can’t get COBRA, are ineligible for Medicaid and are nowhere near the open enrollment period for the Marketplace, there are still options for healthcare. First and foremost, call a broker! Even though pregnancy may not qualify you for a special enrollment period, there may be other qualifying life events that do! Second, you may want to pay in cash for a midwife/nurse practitioner. You can receive the same quality of care as an OB/GYN at a much lower price. Of course, this is an entirely personal decision. Finally, you can look to planned parenthood or other free clinics for low cost or free prenatal care. Whatever you do, do NOT wait to book your appointment while you sort out your health insurance!


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