All plans through Maryland Health Connection and Medicaid plans cover pregnancy and childbirth (which include services provided before and after your child is born). This is true even if your pregnancy begins before your coverage takes effect.
Medicaid and Pregnancy/Childbirth
You can sign up for Medicaid at any time if you meet the income and other eligibility criteria. Pregnant women up to 250% of the federal poverty level may qualify for Medicaid (PDF). You can apply for Medicaid at any point during your pregnancy; it does not matter if it is outside the open enrollment period. If you think you may qualify for Medicaid, it is best to apply as soon as possible.
Qualified Health Plans and Pregnancy/Childbirth
Health plans must provide a Summary of Benefits and Coverage document, which describes how the plan covers the costs of having a baby. You’ll see a link to a summary when you compare plan details or when you preview plans and prices before you apply through Maryland Health Connection.
If you did not enroll in a qualified health plan during open enrollment, becoming pregnant is not considered a life event that triggers a special enrollment period.
However, giving birth will qualify you for a special enrollment period. When you enroll in the new plan, your coverage can be effective from the day the baby was born. If you already had a qualified health plan through Maryland Health Connection, you can do one of two things when your baby is born: (1) Keep your current plan and add your child to your coverage; or (2) change to a different plan through Maryland Health Connection.