Can I Get Maternity Health Insurance If I’m Pregnant?

May 30, 2011 | Posted by Tim Thompson

The short answer is probably not unless you qualify for one of two exceptions. These exceptions are, join a group health insurance plan at your work or your spouse’s company, or if you have a non-maternity plan check to see if your insurance company will allow you to transfer to a plan that covers maternity care (Blue Shield of CA will allow a transfer to a maternity plan).

If these options don’t solve the problem, then look to see if there are programs offered by your State’s Department of Insurance. Every state offers a version of the Medicaid program and many states offer other programs for women that do not qualify for Medicaid. The state of California offers the Medi-cal program (California’s version of Medicaid), and the Access for Infants and Mothers (AIM) program.

If you don’t have a maternity health insurance plan and you are pregnant, you should check with Medi-cal first to see if you qualify for their program. The qualifications for Medi-cal require you to have an income below the federal poverty level. The Medi-cal maternity coverage is a no-cost health plan, and is intended for families and women that can’t afford health insurance. If you don’t qualify for Medi-cal, then you should apply to the AIM program.

The AIM program is provided for middle-income families that don’t have maternity health insurance, or have a health plan with a deductible or co-payment greater than $500. AIM is a low-cost program that you may qualify for if your income is too high to meet the Medi-cal limits. For example, a single mother’s monthly household income can be between $2,453 to $3,679 and qualify for AIM (there is a table with income ranges for families of difference sizes at http://www.aim.ca.gov/Costs/Income_Guidelines.aspx). One caveat for the AIM program is that it’s funding is provided by the State of California, and although money is usually available, if the program fully utilizes its available funds, then no additional mothers will be enrolled.

Individual health insurance with maternity coverage is not usually available after a woman becomes pregnant. Joining a group health insurance plan or applying for State programs such as Medi-cal or AIM are alternatives that will usually provide a solution for all mothers to be.

For additional information about AIM and Medi-cal see the following websites:

http://www.aim.ca.gov/AIM_Program/ Information about the AIM program

http://www.dhcs.ca.gov/services/medi-cal/Pages/MCIndividual.aspx Information about Medi-cal

http://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/PE_Info_women.aspx Information about the Presumptive Eligibility program to gain access to Medi-cal.

Looking to find the great deals on the Best Maternity Health Insurance Plans, then visit www.spfinsurance.com to find the best advice on Individual CA Health Insurance for you.

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