Low-income pregnant women and unemployed can qualify for Medicaid if they meet eligibility requirements. Insurance sponsored by the United States federal government will cover the costs of prenatal care for women, postpartum care, labor and delivery, and medical care for newborns and infants
What is Medicaid?
Medicaid is a state-run federal health insurance program that is given to states through the United States Department of Health and Human Services (DHHS) for people in need. At the state level, Medicaid is managed by your country or the local Health or Public Welfare office.
Coverage of Medicaid Pregnancy
According to the Jacobs Institute of Women’s Health study, Medicaid pays around 48% of all births in the United States. Medicaid programs at the state level include medical care for pregnant women and infants who are eligible during pregnancy and thereafter, based on guidelines from the federal government.
Only Benefits Related to Pregnancy
All countries provide coverage for “pregnancy related services” and “conditions that may complicate pregnancy” for women who are eligible for Medicaid. You will be covered for all pregnancy services even if you apply after you become pregnant.
Benefits of Comprehensive Medicaid
In addition to pregnancy related services, in states that also provide comprehensive Medicaid benefits for eligible pregnant women, you are protected for medical problems that are not related to your pregnancy.
According to a review of Medicaid coverage for pregnant women by the National Women’s Law Center, there are 37 countries that provide comprehensive Medicaid coverage outside of pregnancy care. Services that are recorded as optional on the list of Medicaid benefits, such as vision and teeth, are usually not included.
Closed Pregnancy Service
When you meet federal and state income and other eligibility criteria for Medicaid benefits, you are guaranteed a pregnancy-related service that is required whether you have a normal or high-risk pregnancy, which includes the following treatments:
- Standard, routine prenatal visits
- Regular prenatal blood work and other lab tests
- Additional prenatal visits and laboratory tests are needed in high-risk pregnancies
- Tobacco cessation counseling
- Drug abuse or addiction management, such as methadone treatment
- Transportation to all medical treatments
- Doctor or midwife services
- Management of complications during pregnancy includes:
- Tests needed, such as fetal monitoring tests
- Labor and childbirth in the hospital, including costs, if necessary:
- Labor induction
- Caesarean section
- Labor and delivery at a licensed independent birth center
- Postpartum care for mothers for up to 60 days after delivery.
- Family planning and postpartum maternal contraception
- Medical care of newborns and infants up to 60 postpartum days
- Often, the cost of a car seat
- Home visit program to improve maternal and child health and safety
Although the coverage of prescription drugs is listed as an optional benefit, according to the Medicaid website, recipes are generally covered by all states for pregnant women
How is your bill paid?
Medicaid pays your care directly to your pregnancy care provider or hospital facilities with whom they have been contracted to provide medical care to their registrants. You must get your care through providers and hospitals that receive Medicaid, and they will send your bill to Medicaid.
By law, providers are not allowed to request joint payments, so if you use Medicaid and receive closed services, there is no fee for you.
Who Can Qualify?
Pregnant women must meet certain federal and state income guidelines and other requirements of their country to qualify for Medicaid coverage. The following facts are useful to know:
The federal requirement is that the state provides Medicaid coverage for pregnant women whose household income is at or below 138 percent of the federal poverty rate (FPL).
According to the Kaiser Family Foundation report, in January 2016 two years after the Affordable Care Act (ACA), 33 countries had raised the limit of eligibility for income by up to 200 percent from FPL or more.
If you live in one of these states, you may be entitled to income during your pregnancy, even if you do not qualify before you become pregnant.
You can contact your state office through their website for details on their eligibility criteria for Medicaid coverage. Most prenatal clinic doctors or hospitals will also have the resources to help you register. In this way, they make sure you have