How Much Does It Cost To Deliver A Baby With Health Insurance? 
All health insurance plans now cover maternity . They handle maternity just like any other claim . So how much it would cost you depends on the plan you get ... . What is the deductible ? What is the out-of-pocket maximum ? If you 're buying a plan specifically because you see childbirth down the road , consider 2 things : If you 're pregnant now , you ca n't get insurance because you 've obviously got a pre-existing condition . If you 're not pregnant now , and you 're buying a new plan , then you 'll have to replacethe planby January anywaydue tohealthcare reform . So if you want health insurance now , there 's really no reason to factor childbirth into the equasion because you 'll be changing plans -LRB- due to healthcare reform -RRB- before you deliver . 