Pregnancy and Maternity Coverage Under COBRA
Will my wife’s pregnancy be covered under COBRA, and can I keep COBRA if my new employer’s insurance does not start right away?
Yes, COBRA covers pregnancy. COBRA is a continuation of your most recent employer health insurance. If there is coverage for a pregnancy on that health plan then there will be coverage for the pregnancy through COBRA continuation.
As COBRA is a continuation of your former work health insurance, the cost of your prenatal care, labor and delivery will be the same as if you were employed and using the same plan.
As COBRA is a continuation of your former work health insurance, the cost of your prenatal care, labor and delivery will be the same as if you were employed and using the same plan.
How Much Will My Pregnancy & Delivery Cost on COBRA?
Pregnancy copays stay the same under COBRA because you are continuing the same group health plan from your previous employer. If the pregnancy is covered under your current insurance carrier, it will also be covered after you elect COBRA.
Pregnancy is a Pre-Existing Condition
Pregnancy is included as a pre-existing condition under the Affordable Care Act (ACA), which requires health plans including COBRA continuation coverage to cover pre-existing conditions without denial or limitation. This means pregnancy remains covered under COBRA as long as it was covered by your employer’s plan before your coverage ended.