Does Health Insurance Cover Having A Baby? 
The general answer to your question is `` Yes '' . Certainly all major medical policies issued on or after January 1 , 2014 have to cover maternity as they would any other illness -LRB- generally subject to the plan 's deductible and coinsurance coverage provisions -RRB- . It is possible that a person who has an older health insurance policy that was in effect prior to March of 2010 and that has not been modified since that time is what is called a `` grandfathered '' policy and it might not cover maternity . This would be most likely to occur with someone covered under an individual health insurance policy though there is some chance that it could be in the group setting depending upon the state you are located in and the insurance carrier you are covered with . 