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Arizona

Pregnancy, birth and the first year in Arizona, in 14 topics: from who runs maternal and child health to what happens at your newborn's screening.

Insurance

In Arizona, several health insurance options are available to support maternal and child healthcare:

  1. State Plans and Programs

a. Arizona Health Care Cost Containment System (AHCCCS): AHCCCS is Arizona's Medicaid agency that offers health care programs to serve Arizona residents. It offers health insurance for pregnant women who meet income and eligibility requirements, with no monthly premiums for those who qualify. More information is available on the AHCCCS website.

b. KidsCare (Children's Health Insurance Program - CHIP): KidsCare provides low-cost health insurance coverage for children under 19 who do not qualify for AHCCCS but meet certain income requirements. The program covers preventive care, immunizations, and treatment services. While there are monthly premiums, they are based on family income to ensure affordability. As of April 2023, Arizona extended postpartum coverage for Medicaid and CHIP enrollees from 60 days to 12 months. This extension aims to provide continuous care for mothers during the critical first year after childbirth, addressing both physical and mental health needs.

  1. Marketplace Insurance Plans: Under the Affordable Care Act (ACA), all Marketplace insurance plans are required to cover pregnancy and childbirth, even if the pregnancy begins before coverage starts.These plans encompass prenatal care, labor and delivery, and postnatal care
  1. Employer-Sponsored Plans: Many employers in Arizona offer health insurance plans that include maternity and newborn care as part of their benefits package. These plans typically cover services such as prenatal care, hospitalization, and postnatal care. Employers often pay a portion of the monthly premium, with employees contributing the remainder. It's important to review your employer's specific plan details to understand coverage and costs.
  1. Private/ Individual Insurance Plans:

Private health insurance purchased outside the marketplace may also provide coverage, though benefits can vary.

Parent’s health insurance plan (if that plan offers dependent coverage) can also cover pregnant dependents before their 26th birthday. Employer-sponsored coverage for dependents usually ends during the month of the child’s 26th birthday. If the dependent is covered under their parent's Marketplace plan, the dependent can stay on their parent's plan until December 31 of the year they turn 26.

Other Assistance Programs

a. Indian Health Service (IHS): Alaska Native and American Indian individuals residing in Arizona are eligible for healthcare services through the Indian Health Service or tribal health organizations. These services include maternity and childbirth care, typically provided at no cost at facilities like the Phoenix Indian Medical Center.

b. Sliding Fee Scale Clinics: Federally Qualified Health Centers (FQHCs) and community health clinics offer maternity care at reduced costs based on income.

For assistance navigating these insurance options, Arizonans can contact local health navigators or Certified Application Counselors through organizations like the Arizona Alliance for Community Health Centers or the Cover Arizona Coalition.
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