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Pregnancy & Maternity Coverage in California

Planning a baby or already pregnant? All Covered California plans must cover maternity care as an Essential Health Benefit. Learn what's covered and how to choose the best plan for your pregnancy.

What's Covered

All Covered California plans cover:

  • Prenatal care: Regular checkups, ultrasounds, lab work
  • Labor and delivery: Hospital or birth center
  • Newborn care: Baby's first 30 days in hospital
  • Postpartum care: Follow-up visits after birth
  • Breastfeeding support: Lactation counseling, breast pumps
Good News: Preventive prenatal care is covered at 100% with no copay.

Pregnancy Costs by Plan

Your out-of-pocket costs depend on your plan's deductible and hospital copays:

Plan Tier Estimated Total Cost* Key Factors
Bronze $4,000-$7,000+ High deductible before coverage
Silver $2,500-$5,000 Moderate deductible, copays
Gold $1,500-$3,000 Low/no deductible
Platinum $1,000-$2,000 Lowest out-of-pocket

*Estimates for uncomplicated vaginal delivery. C-sections and complications cost more.

Best Plans for Pregnancy

If you're planning a pregnancy, consider upgrading to a Gold or Platinum plan during Open Enrollment.

Pro Tip: Compare total costs (premiums + expected out-of-pocket) rather than just monthly premium. Higher-tier plans often save money when you have a baby.

When to Enroll

  • Already pregnant: Enroll now! Pregnancy alone doesn't qualify for SEP
  • Planning pregnancy: Enroll during Open Enrollment for best plan choice
  • After birth: Baby qualifies for SEP to be added to your plan

Planning Your Coverage?

Our agents can help you calculate costs and choose the best plan for your pregnancy.

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