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In most states finding health and maternity insurance through a private health insurance carrier if you are already pregnant is difficult or impossible. Health insurance companies will usually consider an existing pregnancy a reason to deny coverage. They will consider the pregnancy to be a pre-existing health condition. The advice below may not be or might not be pertinent to you. There are different regulations in different jurisdictions. The restrictions and limitations you might find on a given policy may mean that a pre-existing health condition you expect to be covered isn't.

It is important to know the limitations of your health insurance policy before you apply for it.

It is also important to keep any existing health insurance policy you might have until you are covered by the new policy. Even if your existing health insurance plan does not cover maternity expenses, you should think carefully before dropping it.

There are three main reasons that you should do this. The first is that you might have an otherwise covered illness or injury not associated with your pregnancy that triggers a large medical expense. The second is that you may have or develop a serious medical health condition that will keep you from getting coverage in the future. The third reason is that even though the health expenses of a normal pregnancy might be excluded from your policy, your plan might include coverage for complications. Complications of pregnancy are considered a disease. A normal pregnancy is not.

In many situations, private health insurance will not be an option. Most insurance carriers will automatically deny new coverage for pregnant women. However, there are some exceptions.

Group or employer-sponsored medical insurance might offer an opportunity for you to get coverage. These types of policies are governed by different regulations. Medical history is less often a factor in your being eligible for a group health insurance policy.

Employer-sponsored health insurance policies will often cover preexisting conditions. If, you can get coverage through a group contract before you give birth, you might be able to get the health insurance company to cover most of your medical bills.

Of course, the group medical insurance coverage plan in question will need to cover maternity. Not all will. Many health insurance policies will specifically exclude maternity related expenses.

In a typical pregnancy most of the health care will be needed just before, during and immediately after the birth of the child. This means that if you can get coverage before you give birth, you can avoid most of the health expenses.

If your employer offers group insurance, and they will have an open enrollment period before your due date, you might be able to get insurance to cover your expenses in the maternity ward. This can help you dramatically reduce the bills you will need to pay.

If your spouse or domestic partner has group medical insurance available at his or her job, you might be able to take advantage of his or her next open enrollment period. This might also be a viable option for you.

If you are not married now, but get married to someone with group insurance, you may be able to get insured by their plan during a special open enrollment period. Getting married usually allows a spouse be insured by the other spouse's health insurance plan right away without waiting for the next open enrollment period.

The strategies listed above might not work for you. Group medical insurance often provides the best coverage. However, if you are not able to get coverage that way there may be programs available from your local, state or from the federal government that can help you limit your exposure.

To For advice about the opportunities available to you by means of other strategies and via government-based programs, contact the medical facility where you intend to give birth to your baby. They may be able to point you in the right direction.

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