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Emergency Medicaid for Pregnancy

Medicaid is a state- and federal-funded, state-operated health insurance program for qualifying low-income individuals, including the elderly, disabled, pregnant women and children. Each state sets its own guidelines regarding Medicaid eligibility. However, pregnant women who fall under the income and resource limits, and other requirements set forth by the state are covered under every state's Medicaid program.

  1. Application

    • You can apply for Medicaid at your local Medicaid office. Some states allow you to apply online for Medicaid coverage. To locate specific information regarding your state's Medicaid program, consult the National Association of State Medicaid Directors's website, which includes a database of contact information for each state's Medicaid program (See Resources). When you complete your application, provide the Medicaid office with a copy of medical records that provide evidence of your pregnancy.

    Eligibility Period

    • Your eligibility period for Medicaid, if approved, begins three months prior to the date of the initial application. If you are pregnant, you should apply as soon as possible to ensure that your medical treatment during your pregnancy is covered under Medicaid.

    Coverage Period

    • Medicaid coverage extends for at least 60 days after your pregnancy, if you are receiving Medicaid solely due to your pregnancy. Coverage for your child continues as long as family income guidelines are met. Family income limits vary between states. However, if your family is at or below 133 percent of the Federal poverty level, coverage must continue for your child.

    Outpatient Services

    • Depending on your state and the specific Medicaid plan that you are enrolled in, you may be required to see outpatient physicians from a specified approved list. This requirement is especially true with Medicaid managed care plans. Coverage for prenatal vitamins, prescription drugs and medical exams varies depending on the state and your specific Medicaid plan.

    Inpatient Services

    • You may access any hospital if you need urgent medical treatment related to your pregnancy. You do not need to obtain prior approval from Medicaid or select a hospital from an approved list if you require urgent medical care.

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