Indiana

In Indiana, several health insurance options are available to help cover the costs of pregnancy and childbirth care:

Hoosier Healthwise (HHW)

This is Indiana's Children's Health Insurance Program (CHIP), which provides coverage for children up to age 19 and pregnant women. Eligible pregnant women receive comprehensive benefits, including prenatal care, labor and delivery, and postpartum services, often at little to no cost.

Healthy Indiana Plan (HIP)

HIP is Indiana's Medicaid program for adults aged 19-64. Pregnant women enrolled in HIP transition to HIP Maternity, which offers enhanced benefits during pregnancy, such as vision, dental, chiropractic services, and non-emergency transportation. Members do not pay monthly contributions or copayments while pregnant and for 12 months postpartum.

Marketplace Health Insurance Plans

Under the Affordable Care Act, all Marketplace health insurance plans cover pregnancy and childbirth, even if the pregnancy begins before coverage starts. These plans include essential health benefits like prenatal visits, labor and delivery, and postpartum care.

CareSource Mom and Baby Beginnings Program

CareSource offers the Mom and Baby Beginnings program, providing support from nurses, social workers, and community health workers to coordinate health and non-healthcare needs during pregnancy.

MHS Start Smart for Your Baby Program

Managed Health Services (MHS) provides the Start Smart for Your Baby program, offering education and support throughout pregnancy. Members can receive additional rewards for participating in prenatal and postpartum care.

MDwise Pregnancy Services

MDwise offers support to pregnant members, including the Indiana Pregnancy Promise Program, which assists those using or who have used opioids, providing care from pregnancy through 12 months postpartum.

It's essential to apply for these programs as early as possible to ensure timely coverage and access to necessary prenatal and postpartum care. Eligibility requirements and benefits may vary, so contacting the specific program or consulting with a healthcare provider can provide personalized guidance.
In Indiana, several health insurance options are available to help cover the costs of pregnancy and childbirth care:

1. State Plans and Programs

a. Indiana Medicaid: provides coverage to pregnant women through two programs.
Hoosier Healthwise (HHW): This is Indiana's Children's Health Insurance Program (CHIP), which provides coverage for children up to age 19 and pregnant women. This program covers services like doctor visits, prescription medications, mental health care, dental care, hospitalizations, and surgeries at little or no cost. Eligible pregnant women receive comprehensive benefits, including prenatal care, labor and delivery, and postpartum services, often at little to no cost.

Healthy Indiana Plan (HIP): HIP is Indiana's Medicaid program for adults aged 19-64. Pregnant women enrolled in HIP transition to HIP Maternity, which offers enhanced benefits during pregnancy, such as vision, dental, chiropractic services, smoking cessation support and non-emergency transportation. Members do not pay monthly contributions or copayments while pregnant and for 12 months postpartum.

Eligibility is generally based on income, with pregnant women qualifying if their family income is at or below 208% of the federal poverty level.

b. Presumptive Eligibility for Pregnant Women (PEPW): PEPW allows pregnant women to receive immediate prenatal care while their full Medicaid application is processed. It covers doctor visits and outpatient prenatal care from the day the application is submitted.

1. Employer-Sponsored Plans

Many Indiana employers offer health insurance plans that include maternity and newborn care. These plans typically cover prenatal visits, ultrasounds, labor and delivery, and postpartum care. If you or your spouse have access to employer-sponsored coverage, review the plan details to understand the maternity benefits provided.

1. Marketplace Health Insurance Plans

Under the Affordable Care Act (ACA), all marketplace plans include maternity and newborn care as essential benefits. Indiana residents can compare health plans, get financial assistance (based on income), enroll outside open enrollment during pregnancy if eligible under Medicaid.
To apply or compare plans, click here

1. Private/Individual Insurance Plans

Private health insurance purchased outside the marketplace may also provide coverage for pregnancy and childbirth, though benefits can vary. Additionally, if you are under 26 years old, you may be eligible for coverage under a parent's health insurance plan, which may include maternity benefits. It's important to review the specific terms of any private plan to understand the extent of coverage.

1. Other Assistance Programs

a. Title X Clinics
Title X clinics offer confidential reproductive health care, including prenatal services, on a sliding scale based on income. The Indiana Family Health Council supports a network of these clinics across the state.

b. Sliding Fee Scale Clinics
Federally Qualified Health Centers (FQHCs) and community clinics offer discounted maternity services at reduced costs based on income. These clinics provide services on a sliding fee scale, making healthcare more affordable for low-income individuals and families.
To find a community health center around you, click here