Medicare Coverage for Pregnancy: What You Need to Know

Home » Resources » Medicare Coverage for Pregnancy: What You Need to Know

Medicare, the federal health insurance program primarily for individuals aged 65 and older, does not generally cover pregnancy-related costs. Medicare Part A, which covers hospital stays, and Medicare Part B, which covers medical services and supplies, do not include coverage for prenatal care, delivery, or postnatal care.

However, there are certain circumstances in which Medicare may provide limited coverage for pregnancy-related services. Let’s explore these scenarios in more detail.

Coverage for Pregnancy Complications

Although Medicare does not cover routine prenatal care and childbirth, it does cover treatment for complications arising from pregnancy. If you experience complications that require medical intervention or hospitalization, Medicare Part A and Part B may provide coverage for the necessary medical services. This includes conditions such as gestational diabetes, preeclampsia, or other pregnancy-related complications that require immediate attention.

Secondary Insurance Options

If you are eligible for Medicare and need coverage for pregnancy-related services, it is crucial to explore other insurance options. Many individuals on Medicare choose to enroll in private Medicare Advantage plans (Part C), which often provide additional benefits beyond what Original Medicare offers. Some Medicare Advantage plans may include coverage for pregnancy-related expenses, so it’s important to review the specific plan details to determine if it aligns with your needs.

Medicaid as a Safety Net

Medicaid, a joint federal and state program, is designed to provide health coverage to individuals with low income. Pregnant women who meet specific income requirements may be eligible for Medicaid, which covers a broad range of prenatal, delivery, and postnatal care services. If you are pregnant and qualify for both Medicare and Medicaid, you may be able to access coverage for pregnancy-related costs through Medicaid.

Seeking Additional Financial Assistance

In situations where Medicare and Medicaid do not provide coverage for pregnancy-related expenses, there are other avenues to explore for financial assistance. Non-profit organizations, foundations, and community programs may offer support for pregnant women in need. These programs can assist with expenses related to prenatal care, delivery, and postnatal care. It’s advisable to research and reach out to local resources or consult with a healthcare professional for guidance in accessing these financial assistance options.


While Medicare does not typically cover pregnancy-related costs, there are alternatives and additional programs available to help you obtain the necessary coverage. Understanding your options and exploring secondary insurance plans, such as Medicare Advantage, can provide the support you need during this significant life event. Additionally, Medicaid serves as a safety net for individuals who meet certain income criteria. By seeking out various financial assistance programs and organizations, you can alleviate the financial burden associated with pregnancy expenses.

Remember, every individual’s situation is unique, and it’s essential to consult with healthcare professionals and insurance experts to determine the best course of action for your specific needs.


  • Medicare generally does not cover routine prenatal care, delivery, or postnatal care.
  • Medicare may provide coverage for pregnancy complications that require medical intervention or hospitalization.
  • Consider exploring private Medicare Advantage plans for additional coverage options.
  • Eligible pregnant women with low income may qualify for Medicaid, which covers a broad range of pregnancy-related services.

Useful Links:

  1. Medicaid and CHIP Maternity Care Coverage – Official Medicaid website providing information on maternity care coverage.
  2. Pregnancy and Medicare – Official Medicare website with details on Medicare coverage for pregnancy.
  3. Pregnancy Assistance Fund – U.S. Department of Health & Human Services program offering support to pregnant women in need.
  4. American Pregnancy Association – Non-profit organization providing resources and support for pregnant women.

Insurance Facts

Join the 65+ million Americans
looking for insurance options

Description: Health insurance is a crucial form of coverage that helps protect you and your family from high medical costs. It provides financial support by covering medical expenses such as hospitalization, doctor visits, prescription drugs, and preventive care. Having health insurance ensures that you can access necessary healthcare services without facing significant financial burdens. Additionally, many countries mandate health insurance to ensure that their citizens receive essential medical care.

Description: Auto insurance is a legal requirement in most countries for anyone owning a vehicle. It offers financial protection in case of accidents, theft, or damage caused by your vehicle to others or their property. Different types of auto insurance, such as liability, collision, and comprehensive coverage, cater to various needs. It is crucial to have appropriate auto insurance to avoid potential financial losses and legal issues in the event of an accident.

Description: Life insurance is a policy that provides a lump sum payment to beneficiaries upon the insured’s death. It is an essential financial planning tool that offers peace of mind, knowing that your loved ones will have financial security and stability after you are gone. Life insurance can be used to cover funeral expenses, outstanding debts, mortgage payments, and even provide income replacement for the family. The amount of coverage needed depends on individual circumstances, such as family size, outstanding debts, and future financial goals.

Description: Homeowners insurance is designed to protect your home and personal belongings against unexpected events like fire, theft, vandalism, or natural disasters. It provides coverage for both the physical structure of your home and your possessions inside it. Moreover, homeowners insurance often includes liability coverage, which protects you if someone is injured on your property. Lenders typically require homeowners insurance for anyone with a mortgage to safeguard their investment.

Description: Travel insurance offers coverage for unforeseen events that may occur during your travels, both domestically and internationally. It can include benefits such as trip cancellation/interruption, medical emergencies, lost luggage, travel delays, and emergency evacuation. Travel insurance is especially important when planning expensive trips, traveling to remote locations, or engaging in adventurous activities. It helps mitigate financial losses and provides assistance when facing unexpected challenges away from home.

Newsletter Sign-Up:

Stay in the Loop!

Receive important insurance information right in your inbox weekly!

Newsletter Form | Email Verication