help with adoption

Adoption Questions: Health Insurance for Birth Mothers

If you don’t have medical insurance to cover the pregnancy, labor and delivery, don’t worry!  You still have options when looking for medical insurance.  Prenatal care is important, and we are happy to help you find the right coverage.  Adopting parents will cover your out of pocket costs for co-pays and deductibles.  Here’s how it works.

Affordable Health Care Act

  • With the affordable care act medical insurance is easier to get.
  • You may be eligible for an affordable plan now that you are pregnant.
  • Review the policies available to pregnant women in your state of residence.
  • Apply online for coverage in your state.


Many women who were not eligible for Medicaid before pregnancy may become eligible with a pregnancy. Don’t overlook this possibility.  It can offer significant savings.

  • Research the Medicaid eligibility requirements in your state to find out what the options are.
  • You might also be eligible for Women Infants and Children (WIC) plan.  This includes nutrition guidance, food, breastfeeding support and other benefits.
Medical Insurance for Birth Mother

Medical Insurance for Birth Mother

Explore all coverage options for the birth mother.

Family Plan

  • You may be eligible under your parents’ private health insurance plan.
  • If your parents know you’re pregnant, getting medical insurance is fairly straightforward.
  • If they do not know you’re pregnant, you can still try to get on the policy. Consider using an alternate mailing address to protect your privacy.

Medical Insurance and Other Expenses

  • Adopting parents cover medical expenses during pregnancy
  • Expenses coverage continues about six weeks after vaginal delivery or eight weeks post c-section.
  • During this time other living expenses can also be covered.  Rules vary from state to state.

I am happy to talk with you about medical insurance options.  I can also help you get the right coverage. Contact me today if you have questions about medical insurance or any questions at all about adoption.

Contact Us

Are you pregnant and thinking about adoption for your baby? I can help. You can send me your questions about adoption or ask me to send you more information. Your communication with me is always confidential, and you’re never under any obligation to do an adoption. I’m here to help, not to pressure you or tell you what to do.


Megan Cohen, Birth Attorney

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