If you are already pregnant, no health insurance company in Arizona will give you an individual/family policy. They will make you wait until after the baby is born before they will even look at your application.
Here are three possible ways for you to find coverage for your pregnancy in Arizona. Please feel free to give us a call at 1-800-600-9663 with any questions.
1. Group Health Coverage
If you have the option to join a group health plan through an employer, that is probably your best choice. The group plan will be required to accept you even though you are already pregnant, and it will cover your pregnancy right away with no waiting period.
2. AHCCCS
If your income is low, you may qualify for AHCCCS, Arizona’s Medicaid program for low-income residents. The fastest way for pregnant women to apply and begin getting medical treatment is through their program called Baby Arizona.
3. Maternity Packages
Another option for maternity coverage is to purchase a self-pay maternity package from a hospital. Because the insurance companies are all dropping maternity coverage on their individual plans, these self-pay packages are becoming a more popular option. Here is a PDF from Blue Cross Blue Shield of Arizona that lists hospitals offering maternity packages. The rates vary, but for a routine delivery, expect to pay about $3,000-$5,000 for your hospital stay, plus doctor’s fees.
Do you know of any other good options for women who are already pregnant? Got a personal experience to share? Please leave a comment below! There are many women who look at this page and would love to hear from you.
As a Nurse Practitioner in independent practice,I provide excellent prenatal care in the office at a much reduced rate than you would have to pay for a physician. There are hospital laborists that will attend the delivery in the hospital. I have been providing care for pregnant women for over 25 years. We are located in South Scottsdale and can be reached at 480-421-9938
Sounds great- thanks Dale!