Getting Health Insurance During Pregnancy

LAS VEGAS - Oct. 15, 2020 - PRLog -- In Nevada, a normal birth without complications costs nearly $14,000 on average, and a C-section can cost $18,000 or more for those who do not have health insurance. Once you factor in prenatal and postnatal care, out-of-pocket costs soar to $30,000 or higher.

For many women, pregnancy and childbirth are among the most expensive health care costs that they will face in their lifetimes, and without adequate health insurance coverage, they can end up with tens of thousands in medical debt. Fortunately, if you are pregnant and you do not have health insurance, there may be ways that you can get the coverage that you need.

Pregnancy and the Affordable Care Act

The Affordable Care Act guarantees 10 essential health benefits to individuals with major medical insurance. Among these benefits is maternity care, meaning that all health insurance plans purchased through employers or on the Marketplace cover medical care during pregnancy, childbirth and postnatal care.

Prior to ACA, many plans on the individual marketplace did not cover pregnancy for new enrollees, meaning that the health insurance company could deny coverage for women who were pregnant women they signed up for their policy or charge them more.

Under ACA, pregnancy is no longer considered to be a pre-existing condition. Health insurance companies cannot deny coverage to pregnant women or charge them more for coverage. However, in most states, pregnancy is not a life event that opens a Special Enrollment Period. This means that it does not qualify you to sign up for health insurance or make changes to your policy outside of the yearly Open Enrollment Period.  You must do this during "Open Enrollment".

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554
Website: NevadaInsuranceEnrollment.com