Nevada

In Nevada, there are several health insurance options available to help cover the costs of pregnancy and childbirth care. These include private insurance plans, Medicaid, and specialized programs designed to ensure expectant parents have access to necessary medical services. Below are key programs and services:

1. State Plans and Programs

a. Nevada Medicaid

Nevada's Medicaid program offers health coverage for low-income pregnant individuals and children. Services covered include:

• Prenatal and postpartum care
• Delivery services
• Hospital stays
• Infant care up to one year after birth

Eligibility is based on income and household size. To learn more and apply, visit the Nevada Medicaid page.

b. Nevada’s Children's Health Insurance Program (CHIP)

Nevada's CHIP program, known as Nevada Check Up, offers coverage for pregnant individuals and children up to age 19. It provides comprehensive care, including prenatal visits, ultrasounds, and delivery services. To learn more, visit Nevada Check Up.

1. Employer-Sponsored Plans

Pregnant individuals can enroll in coverage through an employer-sponsored health insurance plan (ESC) from their employer or a spouse's employer. Many employers offer health insurance plans that include maternity and newborn care. These typically cover prenatal visits, ultrasounds, labor and delivery, and postpartum care.

1. Health Insurance Marketplace

Pregnant women can explore various health insurance plans through the Health Insurance Marketplace. Under the Affordable Care Act (ACA), all marketplace insurance plans are required to cover maternity and newborn care as essential health benefits. Nevadans can compare and enroll in plans through the Health Insurance Marketplace.

1. Private/Individual Insurance Plans

Private health insurance purchased outside of the marketplace may also provide coverage, though the benefits can vary. Additionally, if a pregnant individual is covered under their parents’ health insurance plan (if the plan offers dependent coverage), they can remain covered until 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 parents’ Marketplace plan, they can stay on their parents’ plan until December 31 of the year they turn 26.

1. Other Assistance Programs:

a. Indian Health Service (IHS)

American Indian and Alaska Native individuals are eligible for healthcare services through the Indian Health Service (IHS) or tribal health organizations. These services include maternity and childbirth care and are typically free or low-cost.

b. Nevada's Healthy Start Program

The Healthy Start program provides services to help ensure that pregnant individuals and young children in Nevada receive the care they need. This program is especially focused on underserved populations, and services are designed to reduce health disparities.

c. Sliding Fee Scale Clinics

Federally Qualified Health Centers (FQHCs) and community health clinics offer maternity care at reduced costs based on income.

For assistance in navigating insurance options, Nevadans can contact health navigators or Certified Application Counselors through Nevada Health Link or the Nevada Primary Care Association.