Does health insurance cover pregnancy&birth?
Health insurance does sometimes cover the costs associated with pregnancy and childbirth. If you have group insurance through your employer, you are more likely to have this type of coverage than if you have an individual insurance policy.Maternity InsuranceKnown as maternity insurance, this part of a health insurance policy covers the costs of prenatal care, obstetrician visits during the pregnancy, medically necessary procedures, the birth of the child and childbirth complications. Fertility treatments or elective procedures, such as an ultrasound to determine a baby’s gender, are usually not covered.Group PlansGroup plans are more likely to include maternity insurance but not all do. If you receive health insurance through your employer, federal law prohibits pregnancy from being treated as a preexisting condition, so there is no waiting period required for coverage to begin.Individual PlansMaternity insurance is not included in most individual plans. For example, out of a dozen pla
