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Content: Make sure you carefully review your health plan’s summary of benefits, especially to see the specific set of prenatal and maternity services it covers. What prenatal care can I expect to be covered by my health plan during my pregnancy? All health plans* must cover certain preventive care with no out-of-pocket cost to you at the time of the visit. The exception is grandfathered health plans -- those that were in existence before March 23, 2010, and that haven’t made significant changes to their benefits and costs. They do not have to comply with this part of the law. Contact your insurance company or your employer to find out whether your plan is grandfathered. Continued
These services are listed roughly in the order you would need them over the course of your pregnancy. Testing and counseling for sexually transmitted diseases, including HIV
Testing for a blood condition known as Rh incompatibility
Folic acid supplements, which help protect your baby from certain birth defects (with a prescription)
A wide range of prenatal tests, including anemia screening and screening for urinary tract infections
Testing for gestational diabetes
Screening and help to quit tobacco use
Labor and delivery costs, including your hospital stay
Breastfeeding counseling and equipment
Birth control after you've had your baby
What's covered for maternity care can vary from plan to plan. That's true if you get insurance through your work or buy it yourself. So for any plan you are considering, review the details of the plan’s summary of benefits or call the insurance company for more information.