There's not much information available online regarding strategies for planning to pay for maternity, including delivery and prenatal care in North Carolina, so I've decided to write this article to provide a little insight on the issue.
If you are currently pregnant, your options, in order of desirability, are Medicaid, group insurance, and prepayment plans. After you become pregnant, it is not possible to issue an individual policy. Your application will automatically be declined. If you are in the process of planning your pregnancy, the best options for minimizing your maternity costs are Medicaid, group insurance, individual insurance with Blue Cross Blue Shield, prepayment plans, in order of descending desirability.
The average total maternity charges submitted to Blue Cross Blue Shield of North Carolina in 2007 was $20,015 per pregnancy 1. A patient may be required to pay this full amount, however many families negotiate with hospitals and providers to pay a discounted rate when the only option is to pay out of pocket.
When planning to cover the costs of maternity the four primary options in North Carolina are as follows: