Does Health Insurance Cover Epidural? 
For contracts issued on or after January 1 , 2014 I would say the answer is `` Yes '' for all health insurance policies as long as the Epidural was a part of an approved medical procedure . And , I would be comfortable in saying an epidural would be covered when medically necessary under health policies issued before then , with the one possible glaring omissionpossibly being associated with maternity coverage in the individual marketplace in the past . There are probably some people out there with grandfathered individual health insurance policies that did not cover maternity . In the context of an older , grandfathered policy still in effect then for someone giving birth , where epidurals are not anuncommon part of the procedure , that would be a situation where an epidural would not be covered due to a specific exclusion allowed when the policy was issued . Epidurals are also performed in other surgical and/or treatment settings than just maternity and so may show up in a variety of claim situations . But an Epidural is generally performed as a requirement to perform some procedure and is usually bundled with the charges from that event . 