Can I add my girlfriend to my health insurance if she is pregnant?

Asked by: Raoul Ondricka  |  Last update: July 20, 2025
Score: 4.3/5 (20 votes)

Unfortunately, the answer is likely “no.” Most insurance plans require that you're married in order to include a partner under your coverage, with some states providing exceptions for common law marriages.

Can I cover my pregnant girlfriend on my insurance?

No, you can't, Since there is no legal financial obligation between yourself and your girlfriend, she cannot be added to most health insurance policies. The exception to this might be if you live in a state which recognizes common law marriage or domestic partnerships.

Can my girlfriend be on my health insurance if we live together?

If you are asking if two people who are not legally married but are girlfriend-boyfriend can be on the same health insurance policy, the answer is no. They would each have to buy an individual policy. Two married people cannot buy individual policies on the open market, or an Obamacare exchange policy.

Can you add pregnancy to health insurance?

If you want private obstetric care during your pregnancy and birth, you will need to do one of the following: Buy a private health insurance policy with relevant cover at least 12 months before you become pregnant. Upgrade your existing policy 12 months before you become pregnant. Pay for private care yourself.

How to add an unmarried partner to health insurance?

Adding a domestic partner to your health insurance coverage follows a process akin to that of adding a spouse. You have the option to include partners during the initial enrollment, open enrollment period, or a special enrollment period triggered by a qualifying life event, such as the arrival of a new child.

How to Get Health Insurance When Pregnant

19 related questions found

Can I get on my boyfriends insurance if we aren t married?

Most insurance companies allow unmarried couples to combine coverage—and thereby get discounts and other valuable benefits.

What states do not recognize domestic partnerships?

Some states, such as Florida, New York, and Texas, do not provide for domestic partnerships at the state level. However, exceptions do exist. The same is true in Florida, where state-wide provisions for registering domestic partnerships do not exist.

Can you add insurance if you get pregnant?

Can I enroll in a plan though the health insurance Marketplace? Yes. However, while you are still pregnant, you may only enroll during an Open Enrollment period, which is typically from November through mid-January. Once enrolled, your plan will be required to cover maternity services.

What kind of insurance is best for pregnancy?

If you have concerns about being able to pay for insurance, options for insurance during pregnancy include Medicaid and the Children's Health Insurance Program (CHIP).
  • All prenatal care visits with no co-pay. ...
  • Labor and birth services.
  • Breastfeeding help with no co-pay. ...
  • Birth Control.

Is it hard to get insurance while pregnant?

Health plans can no longer deny you coverage if you are pregnant. That's true whether you get insurance through your employer or buy it on your own. What's more, health plans cannot charge you more to have a policy because you are pregnant.

Can two unmarried people be on the same insurance policy?

With most insurers, unmarried couples can share a joint car insurance policy or add each other as listed drivers to separate policies. There can be pros and cons to sharing a policy, so check with your insurer to see if shared or separate coverage is best for you.

Can I add my girlfriend to my health insurance on Amazon?

After buying One Medical memberships on Amazon, you'll be prompted to create or log in to a One Medical account. You can then add children or invite adults, up to the number of memberships purchased. Each Amazon Prime account is limited to six One Medical memberships.

Is a domestic partner a dependent?

To qualify as a dependent, your partner must receive more than half of his or her support from you. If your partner is a dependent, you might also be eligible for other favorable tax treatment. If you think that your partner might be your dependent under federal law, consult a tax professional.

Can insurance kick you off if you're pregnant?

Federal laws require many employer-sponsored plans and all ACA-compliant individual insurance plans, including those available through the Marketplaces, to cover maternity services including pregnancy, childbirth, and newborn care.

What benefits can I get while pregnant?

Best Start Grant – Pregnancy and Baby Payment

The Best Start Grant Pregnancy and Baby Payment is a cash payment to help eligible parents and carers when they're pregnant or have a new baby. You may be able to get this payment if: you're under 18. you're aged 18 or 19 and someone is getting benefits for you or.

Will my moms insurance cover my pregnancy?

Will my parent's plan cover my prenatal care and delivery? Federal laws require most employer-sponsored plans and all ACA-compliant individual insurance plans, including those available through the Marketplaces, to cover maternity services including pregnancy, childbirth, and newborn care.

Can I add my wife to my insurance if she is pregnant?

Even if your wife's pregnancy began before she was insured under your health insurance policy, her maternity care must be covered. Also, having a child qualifies you for a special enrollment period. So, if your spouse isn't on the health plan, you can add her to the coverage if she's pregnant.

How much is the hospital bill for having a baby with insurance?

Cost of having a baby with insurance. The average cost of having a baby with insurance is $6,940, which includes the cost of labor, delivery and medical care for you and your newborn. How much you'll pay depends on your plan, the hospital you use and how you give birth.

Does my insurance cover my girlfriends pregnancy?

Unfortunately, the answer is likely “no.” Most insurance plans require that you're married in order to include a partner under your coverage, with some states providing exceptions for common law marriages.

How much is a prenatal visit without insurance?

The amount your obstetrician charges for each visit could range from about $90 to more than $500. Other services, such as ultrasounds and laboratory tests, are typically billed separately and cost upwards of $100 each. And special tests like an amniocentesis can cost more than $2,500.

Does Blue Cross cover pregnancy?

From prenatal to postpartum, your benefits are designed to support you through each stage of your pregnancy.

Does a girlfriend count as a domestic partner?

Is a girlfriend a domestic partner? Your girlfriend may qualify as your domestic partner if she meets the criteria set by your state or city. A domestic partner shares a long-term committed relationship, lives in the same house, and is financially interdependent.

What states allow domestic partners on health insurance?

Connecticut and New Jersey recognize domestic partnerships statewide for any couples who meet the state requirements. In Hawaii, Illinois, Iowa, Massachusetts, Montana, New Mexico, New York, Rhode Island, and Vermont, domestic partnership health benefits are available to state employees.

Why would a straight couple get a domestic partnership?

There are a variety of benefits that come along with getting a domestic partnership in California, such as having the option of not getting married, avoiding a marriage tax, being legally recognized as a couple, receiving health insurance, child rights, family rights, and more.