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3 Months Pregnant – Financing Your Pregnancy

Did You Know After Three Months, Your Baby…

  • is three inches long and weighs about half an ounce - about the size of a peach?
  • has developed muscles, allowing leg and head movement?
  • has developed 20 small white buds, which will soon become teeth?
  • can squint, swallow and stick out his or her tongue?
If you haven't already, now is the time to begin thinking about medical coverage and financial assistance for your pregnancy. There are three primary resources that can help you cover your pregnancy expenses: Private insurance, Medicaid and State-Funded Programs such as WIC (Women, Infants and Children).

1. Private Insurance

If you already have insurance, the first thing you need to find out is whether your insurance covers maternity. Most private insurance plans include a 12- to 24-month waiting period for maternity.
  • If you have private insurance, be sure to consider the following:
  • Does your insurance cover prenatal care, maternity and baby expenses, and if so, how much?
  • If you are on your parents' insurance, will it cover your pregnancy expenses and insure your baby?
  • Does your insurance require you to use doctors or hospitals that are in your insurance company's network?
  • Are there any limits on the number of doctor visits or days spent in the hospital?
  • What are your co-pays or deductibles?

2. Government-Funded Insurance Plans

The most well-known government-funded insurance plan is Medicaid. Medicaid is a state-administered program that offers medical coverage to low-income families or individuals. Each state has its own eligibility rules for Medicaid, but most are based on a number of factors such as your income, assets, age, health and whether you are pregnant. If you have already applied for Medicaid prior to your pregnancy and were denied, try applying again. Medicaid has special eligibility rules for pregnant women, so be sure to apply if you don't have any other insurance.

3. WIC and Other State-Funded Programs

WIC (Women, Infants and Children) provides federal grants to states to supply low-income families and individuals with healthcare, food and clothing. Most commonly, WIC assists:
  • Pregnant women through pregnancy and up to six weeks after the end of pregnancy.
  • Breastfeeding women until their child reaches 1 year old.
  • Infants and children up to 5 years old.
Most states have other programs to assist pregnant women, such as food stamps, government-funded housing, and many others. Contact your state's social services department for more information and to see if you are eligible.