Congratulations, You're Pregnant! Now How Will You Pay For the Birth?

  Silhouette by Karen Arnold at publicdomainpictures.net.

 

Silhouette by Karen Arnold at publicdomainpictures.net.

So, you're pregnant! And now maybe you're wondering about the costs of prenatal care, labor and delivery, and post-natal care. Plus, there will be well-baby visits, and how will those get paid for?

1. Take a look at the health care that you currently have (if you have health care now), and read up on the benefits. (If you don't have health care now, we can help.)

2. Under the Affordable Care Act, pregnancy-related care as well as labor and delivery are essential health benefits. Unless you have an employer-sponsored "grandfathered" plan, they should be covered! 

3. The Medicaid income cutoffs for pregnant women and infants are higher--much higher--than for women who are not pregnant. (They jump from 138% of the poverty level to 195% of the poverty level.) And those higher cutoffs continue for the first year of the baby's life. So if you don't have Medicaid, and/or you have a private/employer insurance plan that will still leave you with some costs, it is worth seeing if you will qualify for Medicaid.

4. It's worth checking on that, because...Medicaid can be a second insurance, and pick up what your private insurance won't cover--if you qualify.

5. You also might want to see if you qualify for WIC (Women, Infants, and Children), a federal program that provides additional funds for food, as well as nutrition advice. Here is more information about WIC in Washtenaw County and WIC in Livingston County. (Live in Michigan? You can visit any WIC clinic in Michigan.)

--Ruth Kraut

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