Do I need health insurance for my pregnancy?

A positive pregnancy test opens the door to so many emotions and questions such as “How will I pay for the medical costs  and this pregnancy if I don’t have health insurance?” The cost of prenatal and maternity health care services may be covered or partially covered by health insurance from your partner, health insurance from your parents, low-cost or subsidized clinics, or through Medicaid.  Purchasing your own health insurance may also be an option.  Let’s review these options one by one.

Medicaid and Denali Kid Care

In Alaska, Denali Kid Care covers the costs associated with pregnancy for eligible women. To find out if you are eligible, answer a few questions on this questionnaire.  The Denali Kid Care program is part of the federal CHIP (Children’s Health Insurance Program) and assists families who do not qualify for Medicaid.  If you are a low-income family or single, you may be eligible for Medicaid.  There is a calculator for that too!  Once you answer the questions on the eligibility calculators, there will be links to the application process.

Proof of Pregnancy

The Medicaid and Denali Kid Care application process may require a proof of pregnancy. Obtain a proof of pregnancy by visiting our center for a urine pregnancy test or ultrasound.  All of our services are free of charge.  Call today to make an appointment.

Insurance from my parents

For those of you under the age of 26, you may still be listed on your parent’s health insurance.  Find out the name and phone number of their insurance company and call to be sure they cover pregnancy.  Some companies will cover only part of the cost.  To learn more about insurance, there are some helpful blog posts over at Insure.com.

My partner is eligible at the Alaska Native Medical Center

A full range of pregnancy and maternity health care is available at ANMC for tribal members and their children.  If your partner is qualified for care there, then so is your baby.  If you are carrying that baby (pregnant), then you get care for the pregnancy.  Your partner will have to accompany you to your first visit and complete some paperwork.  They may also require a proof-of-pregnancy, which we will be happy to provide for you.

Low-Cost Clinics in Anchorage

There are two clinics in Anchorage that will work with you on paying the cost of your care.  Both the folks at Providence Family Medicine and Anchorage Neighborhood Health have financial assistance personnel to meet with you and arrange a payment plan.  Both of these clinics offer full prenatal and maternity care.  You may also want to check with some local birthing centers or midwifery centers to see what services they offer.

Need help to figure it out?

If this journey to set up health insurance for your pregnancy seems confusing, come in and visit with one of our staff members.  We can give you a free proof-of-pregnancy and will go over all of your options with you.

We are here to help you with compassion and hope! Make an appointment today!