Pregnant and Need Support? How Medicaid Can Help You and Your Baby

Finding out you’re pregnant can be both thrilling and overwhelming—especially if you’re on a tight budget. The good news? Medicaid (and sometimes CHIP) offers free or low-cost health care for moms-to-be, so you and your baby get the care you need without the stress. This guide walks you through what coverage is available, who qualifies, and how to apply—so you can focus on what matters most.

What Does Medicaid Cover During Pregnancy?

• Prenatal check-ups, ultrasounds, lab tests

• Prenatal vitamins and vaccinations

• Labor, delivery, and postpartum care

• Baby’s care: newborn checkups, shots, follow-up visits

• Sometimes dental and mental health support (varies by state)

Who Can Apply & Basic Eligibility

• Low-income women, often including teens (income limits vary)

• U.S. citizens and certain immigration statuses

• Pregnant people without private insurance

• Income usually measured monthly or by household size

Step-by-Step: How to Apply

1. Visit YourStateBenefits.gov or your state’s Medicaid site

2. Fill out application—include details like due date, household size, and income

3. Submit supporting documents (ID, proof of residence, income, pregnancy verification)

4. Expect processing within 15–45 days—some places get approvals in just a few days (especially CHIP Perinatal)

Once approved, you'll receive coverage retroactive to pregnancy start date

Special Spotlight: Texas—Medicaid & CHIP for Pregnant Women

• Medicaid for Pregnant Women offers full coverage during pregnancy and up to 12 months postpartum (extended from only 2 months), thanks to a policy update effective March 1, 2024 Texas Health and Human ServicesBusiness InsiderWikipedia

• CHIP Perinatal supports those who don’t qualify for full Medicaid (such as immigrants); covers prenatal visits (up to ~20), labor, delivery, and baby’s early health care Texas Children's Health PlanKERA News.

• Covered services in Texas include prenatal care, prescription drugs, labor/delivery fees, and postpartum visits for moms and babies Texas Children's Health PlanTexas Health and Human ServicesTexas Health Services.

• Applying: Use YourTexasBenefits.com, call 2-1-1 or 877-541-7905, or visit a local benefits office. Clinics and community partners (like Parkland Health) often help you apply in person KERA News.

TEXAS NOW EXTENDS COVERAGE to 12 months after birth, supporting more postpartum care and reducing maternal risksBusiness Insider.

Why Postpartum Coverage Matters

• Pregnancy doesn’t end at birth—extended coverage covers postpartum depression, follow-up care, and family planning

Helps reduce maternal mortality rates (notably high in Texas)WikipediaBusiness Insider

Helpful Tips & FAQs

• Apply early—coverage may take a couple of weeks to process

• Need help? Reach out to a local community clinic or call 2-1-1

• What about doulas? Doulas aren’t typically covered—but midwives are KERA News

WIC assistance is often available alongside MedicaidTexas Health Services

You’re not alone—and you deserve care that puts you and your baby first. Medicaid and CHIP have your back, and there are people ready to help you navigate the application process. Start today—because healthy moms and healthy babies matter.