Does Medicare Cover Pregnancy?

Pregnancy is a life-altering experience that comes with many medical expenses. From prenatal care to delivery and postpartum care, expecting mothers have to consider the costs associated with having a baby. For those wondering if Medicare covers pregnancy, understanding the various parts of Medicare and what they cover is essential. This article will discuss the different parts of Medicare and how they apply to pregnancy-related expenses.

Medicare is a United States federal health insurance program administered by the Centers for Medicare and Medicaid Services (CMS). It provides health care coverage to individuals aged 65 and older, certain younger people with disabilities, and people with permanent kidney failure. Medicare Part A, also known as Hospital Insurance, covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care for pregnant women. This coverage includes pre-natal and post-natal care for the mother, as well as delivery of the baby in a hospital setting. Coverage does not extend to abortion services.

What is Medicare Part A?


Medicare Part A is a hospital insurance program that provides coverage for inpatient care in hospitals, skilled nursing facilities, hospice care and home health services. It is one of the four parts of Medicare, which also includes Part B (Medical Insurance), Part C (Medicare Advantage) and Part D (Prescription Drug Coverage).

Part A helps cover certain costs associated with inpatient hospital stays, such as room and board, laboratory tests, x-rays and medical supplies. It also covers certain types of home health care and skilled nursing facility care.

Most people are eligible for Medicare Part A if they are age 65 or older or have been receiving Social Security Disability Insurance (SSDI) benefits for at least 24 months. People who have End-Stage Renal Disease (ESRD) can also qualify for Medicare Part A coverage regardless of their age.

Part A differs from other parts of Medicare in that it is primarily a hospital insurance program. While Parts B and C provide coverage for doctor visits, outpatient services and prescription drugs, Part A only covers inpatient hospital stays. Additionally, while Parts B and C are offered through private insurance companies, Part A is provided directly through the federal government.

Copayment & Cost of Coverage

Medicare copay requirements state that Medicare beneficiaries must pay 100% of the cost for non-covered services, including most long-term care. This means that Medicare does not cover any of the costs for these services and the individual is responsible for paying all of the costs associated with them. This includes any fees related to doctor visits, hospital stays, and other medical treatments. Additionally, it also includes most long-term care such as nursing home care, home health care, and assisted living facilities.

It is important to note that Medicare does not cover any of the costs associated with these services and individuals must be prepared to pay out of pocket for them. Furthermore, it is important to understand what types of services are covered by Medicare in order to ensure that you are getting the best possible coverage for your needs. Knowing what is covered and what isn’t can help you make informed decisions when it comes to choosing a health plan or managing your healthcare expenses.


In order to be eligible for Medicare hospice care, you must meet certain requirements. First and foremost, you must be enrolled in Medicare Part A. This is the federal health insurance program for those who are 65 and over or who have certain disabilities. Next, the hospice provider must be approved by Medicare. This means that the provider meets all of the standards set by Medicare in order to provide quality care and services to their patients. Additionally, you must be certified as terminally ill by both a hospice doctor and your doctor (if you have one). This certification means that your doctor has determined that you are likely to live six months or less. The hospice care provided must also be for comfort care only; it cannot be used as a means of trying to cure your condition. Finally, you must sign a statement opting for hospice care over other Medicare benefits to treat your illness. If at any point you decide that you would like to seek treatment in order to cure your condition, you can stop receiving hospice care and speak with your doctor about other options available through Medicare.

Plan A Coverage

Services Covered by Part A

Medicare is a health insurance program administered by the United States government for people over the age of 65, as well as those with certain disabilities. It provides coverage for medical services, including screenings, to help ensure that beneficiaries stay healthy.

When it comes to pregnant beneficiaries, Medicare covers certain screening services if they are ordered by a doctor. This includes Hepatitis B virus infection screening at the first prenatal visit and at the time of delivery. Other tests may be covered depending on the beneficiary’s individual risk factors. For example, some women may need additional screening for HIV or syphilis if they have increased risk factors.

Additionally, Medicare will cover ultrasounds during pregnancy to monitor fetal health and development. These ultrasounds can help detect any potential problems with the baby before birth, allowing doctors to take steps to prevent or treat them as needed. The number of ultrasounds covered depends on how far along in the pregnancy the beneficiary is when they are performed.

Medicare also covers other services related to pregnancy such as doctor visits, labor and delivery costs, medications prescribed for pregnant women, and postpartum care. In addition to these services, Medicare may also cover some home health care visits after childbirth if necessary.

Overall, Medicare provides coverage for many important screenings and services related to pregnancy that can help keep both mother and baby healthy throughout their journey together.

Services Not Covered by Part A

Medicare, the federal health insurance program for people over 65 and certain younger people with disabilities, does not cover abortions, fertility treatments or elective procedures like cosmetic surgery. Abortions are a medical procedure that terminates a pregnancy. Medicare does not cover any abortion services, even if it is medically necessary and performed in a hospital. Fertility treatments involve techniques such as in-vitro fertilization (IVF) and artificial insemination to help couples become pregnant. Medicare does not cover the cost of medications used in these treatments or the cost of any procedures associated with them. Elective procedures like cosmetic surgery are surgeries done to improve physical appearance but are not medically necessary. These procedures are not covered by Medicare, including breast augmentation, facelifts, rhinoplasty (nose reshaping), liposuction and tummy tucks. Medicare also does not cover reconstructive plastic surgery unless it is deemed medically necessary due to an injury or illness.


In conclusion, Medicare Part A is an important part of ensuring that pregnant women receive the care they need. It covers hospital stays, doctor visits and other medical services during pregnancy. While other forms of insurance may cover some of the costs associated with pregnancy, Medicare Part A helps to ensure that all pregnant women have access to quality care throughout their pregnancies. This is essential for the health and safety of both mother and baby.