The ideal situation for someone who is pregnant is that life is full of happiness and the excitement of welcoming a new little one into the world brushes all other cares away.
However, these feelings can be shot down somewhat when pregnancy insurance is checked and the happy couple finds out that it doesn't cover all the expenses or that it covers none at all.
It costs a lot for the birth of a child.
However, this doesn't mean that you don't have any options available to you at all.
We'll talk about a few now.
You can get supplemental pregnancy insurance in the form of a maternity option that can cover pregnancy and the birth of the child.
Unfortunately, if you're already pregnant, this may not be a viable option for you since health insurance companies view pregnancy as a pre-existing condition and they often want you to wait 12 to 18 months before it will kick in.
If, however, you are just in the planning stages of expanding your family, a year or two to wait for a child isn't a big deal and you've got some time to check these policies out.
If you're already pregnant, a discount health care program, which was designed with the expensive costs of pregnancy in mind, might be a better option.
They aren't like traditional pregnancy insurance in which you pay a premium and the insurance covers a percentage of the cost.
They come in the form of a card that will give you a discount with certain providers.
A lot of the time there are additional benefits attached to these cards, like access to a patient advocacy program and a nurse hotline.
It's always nice to have a listening ear when you have concerns about your pregnancy and the level of care you're getting.
There are also two government programs which may be useful to you - the Women and Infant Children Program and the Children's Health Insurance Program.
Both of these may be able to help you with pregnancy associated costs.
In order to find out what the qualifications for these programs are, you merely have to call your local public assistance offices.
If you're determined to have pregnancy insurance, though, check out different health insurance websites to see if any offer options if you're already pregnant.
Keep in mind, though, that if they do the premiums will be almost guaranteed to be higher than those available pre-pregnancy.