Having a baby can be a very exciting time of your life and health insurance is the last thing you want to think about. When you are planning on having a baby, your number one priority is to have health insurance. Without health insurance many insurance companies will consider you uninsurable if you are already pregnant because pregnancy is considered a preexisting condition unless you are covered under an employer-sponsored health plan.

Also, make sure your health insurance plan has maternity benefits. Maternity benefits include prenatal visits and delivery, blood work, ultrasound, and other lab services. Other benefits include your hospital stay such as inpatient room and board.