1. Medicaid maternity coverage. Visit the state website for application instructions and income eligibility requirements.
2. Group maternity insurance coverage. This is often the most advantageous way to pay for maternity costs because many group policies cover maternity for all females on the policy without an additional rider. Also, if you are already pregnant and don't meet the income requirements for Medicaid, this is your best shot at getting your pregnancy covered by an insurance company. Additionally, some group policies do not consider pregnancy a preexisting condition, so this is a good option to consider if you are already pregnant.
After the charges have been submitted to the insurance company, it is worthwhile to ask the hospital if you can get a discount by paying the deductible in full as opposed to making payments over time. I am aware of instances where the deductible has been discounted for a prompt payment in full.
3. Individual maternity insurance coverage with Blue Cross Blue Shield. At the date of this writing, I am only aware of one individual health insurance company in North Carolina that offers coverage for maternity. The company is Blue Cross Blue Shield and the policies are Blue Advantage and Blue Options HSAsm. I am not aware of any individual health insurance policy that will cover you after you are already pregnant. HumanaOne previously offered an individual maternity policy, but has since discontinued it. I am generally skeptical of small health insurance companies, if you are even able to find one that offers maternity, because they are often on tight budgets and as a result their policies often contain ungainly loopholes.