Does Short Term Insurance Cover Pregnancy?

Are you considering starting a family but worried about the costs and coverage of pregnancy under your short term insurance plan? You’re not alone. Many people are unaware of what their short term insurance covers when it comes to pregnancy and childbirth.

In this blog post, we’ll explore whether or not short term insurance covers pregnancy, how much it costs, and how to get it. So sit back, relax, and let’s dive into the world of short-term health insurance!

Does short term insurance cover pregnancy?

Short term insurance plans are designed to provide temporary coverage for individuals who need health insurance for a limited period of time. But does it cover pregnancy? The answer is not straightforward as it depends on the specific plan you have chosen.

Some short term insurance policies exclude maternity care altogether, while others may offer some coverage but with limitations on pre-existing conditions or complications during pregnancy. As a result, it’s important to review your policy carefully and understand what benefits are included before purchasing any short term insurance plan.

In addition, keep in mind that if you become pregnant while covered under a short-term policy that doesn’t include maternity care, you could be responsible for all medical expenses related to your pregnancy and delivery out-of-pocket.

It’s also worth noting that many states require insurers to provide maternity coverage as an essential health benefit. However, this only applies to individual and group plans regulated by the Affordable Care Act (ACA), not necessarily short-term plans.

To sum up, whether or not your short term insurance covers pregnancy depends entirely on the policy you choose. Be sure to do your research thoroughly beforehand so you can make an informed decision about what type of coverage will work best for your needs.

How much does short term insurance cost?

When it comes to short term insurance, the cost can vary depending on a number of factors. These include your age, health history, and coverage needs.

One thing to keep in mind is that short term insurance plans often have lower premiums than traditional long-term plans. This is because they typically offer more limited coverage for a shorter period of time.

The actual cost of your short term insurance plan will depend on the specific benefits you choose and how long you need coverage for. Some plans may range anywhere from $50 – $500 per month.

Additionally, certain factors such as pre-existing conditions or high-risk lifestyles may increase the cost of your plan. It’s important to carefully consider your options and compare costs before choosing a plan that fits within your budget.

While short term insurance plans may be more affordable than traditional long-term plans, it’s important to weigh the costs against the level of coverage provided to ensure you’re getting the most value for your money.

How to get short term insurance

Getting short term insurance is a quick and straightforward process. The first step in acquiring this type of coverage is to research the various providers available in your area. There are multiple providers that offer this type of policy, so it’s essential to choose one that suits your needs.

After selecting a provider, you will need to fill out an application form online or over the phone. You’ll typically be asked for information such as personal details, health history, and any pre-existing conditions.

Once you complete the application process, your insurer will evaluate your information and determine whether they can provide coverage for you. If approved, payment will be required before the policy becomes active.

It’s important to note that short term insurance policies usually have a limited duration ranging from 30 days up to six months or more depending on the provider. It’s also crucial to read through all terms and conditions carefully before agreeing to any policy.

Obtaining short term insurance can be done quickly by researching providers in your area and filling out an application with necessary information. Remember always; reading through each policy document is vital before making a final decision about which plan suits best for you!


Short term insurance can be a great option for those who need temporary coverage. However, when it comes to pregnancy, it’s important to do your research and read the policy carefully before choosing a plan. While some plans may cover certain aspects of pregnancy and related care, many do not.

It’s also important to consider the cost of short term insurance compared to other options such as long-term health insurance or Medicaid. Short term insurance may be more expensive in the long run if you end up needing extensive medical care during your pregnancy.

The decision of whether or not short term insurance is right for you during pregnancy will depend on your individual circumstances and needs. By doing thorough research and weighing all your options, you can make an informed decision that helps ensure both you and your baby receive necessary healthcare while keeping costs manageable.