Between prenatal care visits, ultrasounds, prenatal vitamins, and all of the other costs that go into a healthy pregnancy, you can end up spending a lot of money. The expenses can make some new parents nervous about how they’ll cover all the costs, but it doesn’t have to be difficult. As long as you plan for the cost of your prenatal care visits and become familiar with your insurance policy, paying for prenatal care visits doesn’t won’t seem so scary.
How much do prenatal visits cost?
The average prenatal visit will cost about $100 to $200. Over the course of pregnancy, your doctor might ask you to come in for about 14 visits. It’s standard to have one prenatal care visit each month during your first trimester, one every other week during the last trimester, and one each week during your final month of pregnancy.
These costs are not set in stone. Depending on your healthcare provider and your state, they may total up to be less or more than anticipated. Luckily, you won’t normally be faced with covering these expenses on your own.
Prenatal care is usually covered by health insurance, even if you join a plan after you’ve become pregnant. But in order to protect yourself from being unfairly charged, you should make sure you’re familiar with your insurance company’s policy on maternity care and prenatal care.
Group health insurance plans are prohibited by the federal government from treated pregnancy as a pre-existing condition. So, if you sign onto one of these plans after you’ve already become pregnant, they can’t refuse to cover the cost of your prenatal care visits if they offer maternity coverage. On the other hand, some private insurance companies can deny to cover the cost of prenatal care if you sign up with them after you’ve already become pregnant since they don’t face the same regulations as group health insurance plans do.
You should also call your insurance company as soon as you become pregnant or plan to become pregnant so that you’ll know what their policies are. Some will require you to pre-authorize care for your baby ahead of time. You can also ask about what percentage of the cost of your prenatal care visits will be covered. You may be expected to cover more of the cost of your prenatal care visits if your deductible is high.
Paying Without Insurance Coverage
If you don’t have insurance, there are a variety of federally funded programs that can get you coverage or discounts on your prenatal care. There are even programs that help you cover the cost of food and prenatal vitamins. If you need financial assistance covering the cost of your prenatal visits, you can look into programs like Medicaid and AmeriPlan.
You don’t have to be burdened with financial concerns during this exciting time. Instead, you should take the time to familiarize yourself with your insurance plan, or look into assistance programs if you’re without insurance. Prenatal care is important for the health of both you and your baby, so if you’re concerned about how to cover the costs of prenatal care, don’t give up.
Talk to your healthcare provider about different payment options if you don’t have insurance. They may offer discounted rates if you’re paying out of pocket, and they may even be able to point you in the direction of some assistance programs. You don’t have to stress over the costs of prenatal care–there’s always a way to cover the costs of these important visits.