Pregnant, No Insurance, Don’t Qualify for Medicaid – What Now?

Pregnant, No Insurance, Don’t Qualify for Medicaid

Medicaid is an all-in-one health insurance coverage backed by the US Government. Millions of Americans get health coverage at reasonable rates through Medicaid.

It is available for low-income individuals and families, children, pregnant women, the elderly, and the disabled.

Many people believe that Pregnant Women do not qualify for Medicaid. However, the actual scenario is entirely different.

All health insurance companies and Medicaid cover pregnancy and childbirth in the United States.

This applies to women who fall under the low-income category. So, if you believe that Pregnant women do not qualify for Medicaid, it is baseless.

Interestingly, pregnant women can avail themselves of Medicaid facilities. Coverage begins the day she qualifies for the insurance, even if she applies after pregnancy.

These services are provided under Maternity and Newborn Care.

What are the Criteria for Pregnant Women to Get Medicaid Coverage?

Pregnant women’s eligibility for Medicaid is not determined by whether they have life insurance coverage but by their income level and residency status.

Women may not qualify for Medicaid if their income exceeds the eligibility limits set by their state, regardless of their ability to pay for pregnancy and newborn care treatment.

This is what makes most women confused when they try to avail of Medicaid before or after their pregnancy.

While federal Medicaid does not generally cover undocumented immigrants, many states provide pregnancy-related coverage under Medicaid or CHIP regardless of immigration status.

However, these women can benefit from Medicaid facilities under certain circumstances.

Women in a high-income group can appeal for the same after reviewing their previous mistakes.

Undocumented immigrants can apply for emergency Medicaid, which covers limited services like labor and delivery in many states. They can also go for the charity program available from nearby hospitals.

Many government programs provide additional help to those women who don’t have health insurance or are not qualified for Medicaid.

These programs provide additional benefits such as food, prenatal care, energy, prenatal sources, and much more.

Moreover, some private organizations also provide financial support to the needy.

Women without health insurance should search for organizations that offer financial aid or external support to complete their maternity period.

What are the Options available for Pregnant Women?

Pregnant women without health insurance have several options, depending on their state, including applying for Medicaid or CHIP Perinatal or seeking assistance through other state-specific programs.

CHIP Perinatal provides coverage for unborn children through the state’s CHIP program and, depending on the state, may also cover the mother to some extent.

Services Covered Under Medicaid or Chip Perinatal for Pregnant Women

Both programs offer similar services to pregnant women. We have prepared a list to give you more information about the services covered under these programs.

  • Prenatal clinical visits
  • Prenatal drugs and vitamins
  • Labor services
  • Delivery services
  • Regular checkups and tests
  • Other benefits before leaving the hospital post-delivery

These are the services covered under the Medicaid and Chip Perinatal program.

The health plan may vary from area to area, so you should first check for the plan that suits your basic needs.

What If a Pregnant Woman Already Has Medicaid or Chip Perinatal?

Pregnant Women with Medicaid or Chip Perinatal are covered for 60 days post-delivery of their newborn.

After 60 days post-delivery, a woman may need to reapply or meet certain criteria to continue receiving health benefits through Medicaid, depending on her state’s rules. She will be notified when her coverage ends.

If her 60 days are completed, she will receive a phone call and a text message from the authority.

During this period, they can enroll in an external Marketplace plan without breaking down the coverage.

If a pregnant woman already has Medicaid, her newborn will be enrolled for Medicaid Coverage automatically.

The woman and her newborn will be eligible for coverage and benefits for at least a year.

Is Charity Care a Good Option?

Charity care is a lifeline for women who do not carry legal immigration or are non-citizens of the US.

If they do not get an emergency Medicaid service, their final option is Charity Care. These types of women can avail of the service from a local hospital.

As per the law, local hospitals and other healthcare centers can’t deny providing services to the needy even if they do not have legal citizenship or immigration.

They can also receive financial aid from Charity Care to look after their newborns.

Final Thoughts:

Thankfully, there are multiple options available for pregnant women who don’t qualify for Medicaid during or after their pregnancy.

These are the alternatives that they can explore if their appeal to get coverage under Medicaid or the Chip Perinatal Program is denied by the authority.

The rules to cover prenatal care services may vary from state to state for US Citizens and non-citizens exploring the Charity Care program.

Undocumented immigrants can seek assistance through hospital-based charity care programs, which vary in accessibility and documentation requirements by hospital and state.

Explore the available plans before applying for these programs to cover pregnancy expenses.

See Also

Hardship Grants for Single Mothers

Does Medicaid Cover Braces

Does Medicaid Cover Dental Implants

What is HHS

Grants for Mommy Makeover

Current Version
April 12, 2024
Updated By
Andrea Morales G.
September 27, 2021
Written By

Follow us