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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Too Late for Maternity Coverage

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Question: I have a high deductible health insurance plan. I recently found out I am pregnant (We've been trying). I also found out that my insurance does not cover maternity--at all. Out-of-pocket payments do not go towards my deductible. I've looked into Medicaid. I make too much. What are my options?

Answer: First, congratulations and I apologize for not answering sooner, but I've been inundated with questions about the new health insurance reform law. In the future, if you'd like a personal response, just include your e-mail address. I won't publish it and I'll respond to you directly. So let me cut right to the chase, no there is no way you can get your prenatal visits, diagnostics, and normal vaginal delivery paid for by insurance at this point. However, I will point out that your existing major medical policy will cover any medical complications due to your pregnancy or the birth of your child. These are the expenses that could really break the bank.

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