Finding maternity and health insurance through a private insurance carrier while you are already pregnant is difficult, if not impossible. Health insurance carriers will usually consider an existing pregnancy a reason to deny coverage. They will consider the pregnancy to be a pre-existing health condition.

The information below may not be or might not be appropriate to you. There are different laws in different areas. The restrictions and limitations you might find on a given policy might mean that a preexisting medical condition you expect to be covered isn't.

It is important to understand your health insurance policy before you buy it.

It is also important to keep any existing health care insurance contract you might have until you are approved for a new one. Even if your existing insurance contract does not cover maternity expenses, you should think seriously 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 might have or develop a preexisting condition that will keep you from getting coverage in the future. The third reason is that even though the health care expenses of a normal pregnancy might be excluded from your contract, your policy may include coverage for the complications of pregnancy. Complications of pregnancy are considered a disease. Pregnancy is not.

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

Group or employer-sponsored insurance may 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 medical insurance policies will often cover preexisting conditions. If, you can get coverage via 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 health insurance plan in question will need to cover maternity. Not all will. Many medical insurance policies will specifically exclude maternity related expenses.

In a typical pregnancy most of the medical 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 deliver your baby, you can avoid most of the health care expenses.

If your employer offers group health insurance, and they will have an open enrollment period before your due date, you may be able to get coverage for your expenses in the maternity ward. This can help you dramatically reduce your financial exposure.

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

If you are married at this time, but get married to someone with group insurance, you may be able to get insured by their contract 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 stratagems listed above might not work for you. Group insurance often provides the best coverage. However, if you are not able to get coverage that way there might be programs available from your local, state or from the federal government that can help you limit your financial responsibility.

To For advice about the opportunities you qualify for through other strategies and via government-based programs, contact the hospital where you intend to give birth to your baby. They might be able to give you suggestions based on the options available in your town.

Author's Bio: 

The author, Alston J. Balkcom helps families find CT health insurance through several companies including Connecticare.