A woman obtains health coverage through the Marketplace on October 1. She finds out she is 3 months pregnant two weeks later. What is true about coverage for pregnancy?

When a woman obtains health coverage through the Marketplace, pregnancy is considered a covered health condition under the Affordable Care Act (ACA). This means that coverage for pregnancy-related expenses begins immediately upon the start of the policy, which in this case is October 1, when she enrolled in the Marketplace.

The ACA ensures that all major medical insurance plans are required to offer coverage for essential health benefits, and maternity and newborn care is one of these essential benefits. Therefore, regardless of when the pregnancy is confirmed or when the woman first receives care related to her pregnancy, the insurance provider must cover these services without any waiting periods or exclusions related to pre-existing conditions.

Since the woman’s coverage started prior to her discovering her pregnancy, she can expect to receive comprehensive maternity care immediate to her policy effective date. This means her expenses, including prenatal care and labor and delivery, will be covered as part of her health insurance plan.