Is Maternity Coverage Available through the ACA?
The Affordable Care Act (ACA) has officially gone into effect, but there is still a lot of confusion about
everything that it covers. There are a lot of people saying different things about health coverage with
the ACA, and it can be more than a little concerning when looking for maternity coverage for women.
When it comes down to it, there are some things that you will want to know if you are, might be, or are
hoping to become pregnant.
The first and most important thing to realize is that now you can get coverage even if you’re currently
pregnant or have a pre-existing condition. It used to be next to impossible to do this. But under the new
health care law, you can get insurance to help you cover the costs of care despite being pregnant. This
also means that you can get coverage even if you have a pre-existing condition.
Choosing a Doctor
With most insurance policies, there was a set list of what
doctors would accept any given insurance plan. This was
also true when a woman wanted to find an ob-gyn for care
before, during and after pregnancy. It could be quite
frustrating when friends would constantly recommend
doctors that didn’t accept your insurance policy. Or, maybe
your insurance had changed between pregnancies, and you
couldn’t go to the same doctor again. Under the new law, these aren’t issues anymore. You now have
far more choices as to your doctor no matter what insurance you have.
Visits and Counseling
Like with any insurance plans, the ACA plans cover pre-pregnancy, prenatal and postnatal visits. These
are basic, and vital to your health and the health of your baby. But also covered are screenings and
counseling for alcohol misuse help with quitting tobacco. Help with these issues can go a long way not
only with the health of your baby, but with your own, as well.
Another vital part of prenatal care is the variety of screenings you need in order to make sure your baby
can get off to the best start in life. Some of the most common ones are to test for Rh incompatibility,
iron deficiency anemia and infections. In addition, doctors can check you for gestational diabetes, which
can have a severe effect on your child’s health if left untreated.
Breastfeeding Support, Supplies and Counseling
If you choose to breastfeed your child, it’s best to get as much support and
counseling as possible early on. It isn’t an easy thing to get used to, but the
counseling you get from trained providers during and after pregnancy can be
immensely valuable to you as you feed your baby. Plans can also help you with
pump rental, which is great for new moms when they need to go back to work.
The new ACA has already changed a lot of things, and most people are having a
hard time finding out what health coverage is available to them. For women
who are or may be pregnant—even those just hoping to become pregnant—
maternity coverage for women can be even harder. But it doesn’t have to be.
Photo Credit: Alex Proimos, Cascadian Farm