A lot of people talk about how expensive it is to raise a child, but what about the expenses related to birth? Recent estimates show that hospital expenses for a birth can range from $8,000 to over $26,000. That’s a key reason why having health insurance is so crucial for pregnant women.
Finding the right health insurance during pregnancy will protect both you and your baby and make sure you receive the healthcare you need. In Tennessee, pregnant women have several coverage options, from Medicaid programs to Marketplace health plans. Understanding these choices can help you access critical care, such as prenatal checkups, delivery services, and postpartum support, without incurring overwhelming financial stress.
Understanding Health Insurance Needs During Pregnancy
Your health insurance needs start early in your pregnancy.
Why Prenatal Coverage Is So Important
Prenatal care is more than just taking prenatal pills. This step is one of the most important aspects of a healthy pregnancy. Regular doctor visits help detect and prevent complications, monitor fetal development, and ensure that both mother and baby stay healthy. Without adequate insurance, many women delay care, increasing risks during pregnancy and childbirth.
Common Health Costs During Pregnancy
Expectant mothers can face a wide range of expenses, including:
- Routine OB/GYN visits
- Lab tests and ultrasounds
- Prenatal vitamins
- Delivery (hospital or birthing center costs)
- Postpartum checkups
- Breastfeeding support
Medicaid Options for Pregnant Women in Tennessee
Over 40% of pregnant women get at least some financial support from Medicaid. TennCare is Tennessee’s Medicaid program, offering comprehensive health coverage to qualifying pregnant women.
TennCare for Pregnant Women
TennCare offers a pregnancy-specific pathway to Medicaid eligibility, even if you wouldn’t typically qualify based on income alone.
How to Apply While Pregnant and Who Qualifies
Pregnant women can apply for TennCare online through TennCare Connect or by calling the TennCare phone number. You may qualify based on your income and household size—even if you’ve previously been denied Medicaid. In many cases, coverage begins retroactively to help cover the costs of recent medical visits.
Coverage Provided Under TennCare for Expectant Mothers
TennCare covers:
- All prenatal and postpartum care
- Labor and delivery
- Hospital stays
- Free breast pumps through TennCare
- Dental benefits
- Mental health support
- Access to WIC and other government assistance for pregnant mothers
You may also be eligible for free baby items through Medicaid programs or partner services, including diapers, car seats, or formula support.
Marketplace Health Insurance Plans for Pregnant Women
If you don’t qualify for Medicaid, the Health Insurance Marketplace offers another option for coverage.
Using the Health Insurance Marketplace in Tennessee
Visit HealthCare.gov to explore your options. You could be eligible for subsidies, which can lower your monthly premium based on your income.
Special Enrollment Periods and Pregnancy
While pregnancy alone doesn’t trigger a Special Enrollment Period (SEP), giving birth does. However, if you’ve lost coverage recently or experienced another life change, you may qualify for an SEP. Otherwise, open enrollment typically happens in the fall.
Comparing Plans for Prenatal and Delivery Coverage
Not all Marketplace plans offer the same out-of-pocket costs or provider networks. When comparing, look for:
- In-network OB/GYNs and hospitals
- Deductibles and co-pays for maternity services
- Prescription coverage for prenatal vitamins
- Support services like lactation consultations
Additional Resources for Uninsured or Low-Income Pregnant Women
If you are pregnant and do not have insurance, you still have options to ensure you and your baby get healthcare services during pregnancy and beyond.
Help from Family & Children’s Services
If you’re uninsured or struggling financially, Tennessee offers programs beyond insurance. Family & Children’s Services helps connect pregnant women to food assistance, transportation to medical appointments, financial assistance, and support groups. These services can help reduce stress and improve outcomes for you and your baby. Contact us to learn more.
Featured Image: elenavolf / Shutterstock
