In the US if you don’t have health insurance, the expense of pregnancy can be very heavy:
| Type | Average Spend |
| Normal Delivery | $10,000 – $15,000 |
| C‑Section Delivery | Delivery $15,000 – $25,000 |
| NICU (Newborn ICU) | $3,000 – $5,000 per day |
| Emergency Room Visit | $1,000 – $3,000 |
It is difficult to bear this much expense alone, especially if energy has delivery or complications. It is therefore necessary to take a strong maternity insurance policy before performing pregnancy plan in USA.
America’s Top 4 Health Insurance Policies for Pregnancy
1. Blue Cross Blue Shield (BCBS)
Plan Type: PPO & HMO Both
Coverage: Prenatal, Delivery (Normal + C-section), Postnatal, Newborn care
Emergency Room: Fully Covered (after deductible)
Approx Premium: $400 – $700/month
Waiting Period: 0–90 days (state-specific)
Trusted insurance provider that balances both energy and maternity.
2. Cigna Health Insurance
Plan Type: PPO
Coverage: Pregnancy Care, Delivery, Ultrasound, Lab tests
Emergency Room: Covered (including ambulance)
Approx Premium: $500 – $800/month
Wishing Period: 10 months (for maternity), emergency is always covered
Long-term plan ke for best covers every aspect of – maternity completely.
3. United Health care (UHC)
Plan Type: Employer, Marketplace
Coverage: Prenatal, Maternity, Emergency
Newborn Care: 30–60 days post-birth
Approx Premium: $450 – $700/month
Waiting Period: 0–3 months depending on plan
Job-based insurance then maternity starts without delay.
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4. Aetna Health Insurance
Plan Type: PPO/HMO
Coverage: Delivery (normal & C-section), Emergency hospital admission
Premium: $350 – $600/month
Waiting Period: 3–6 months
affordable and balance plan – especially for those planning to have a baby early.
Waiting Period Table
Plan Type Maternity Waiting Period Emergency Coverage
| Employer Plan | 0 months | Yes |
| Marketplace ACA Plan | 0–3 months | Yes |
| Private Individual | 3–12 months | Yes |
| Short-Term Plan | Not Covered | Limited |
Things to note:
- If you are already pregnant while taking Policy, most companies will not perform maternity cover.
- Emergency citations (such as preterm labor, miscarriage, bleeding) are always covered, if polycy is active.
- Deductible and co-pay terms may differ by policy — read carefully.
Conclusion
If you are in the US and are doing baby plan within 4 to 8 months, choose such insurance policy:
- Whose premium is between $400 – $700/month
- Whose waiting period is inside 0–3 months
- Which covers both emergency hospitalization and C-section
Blue Cross, Cigna, UHC, and Aetna — These four companies are the most reliable for maternity and helpful in energy.
