AHCCCS Health Care Coverage for Pregnant Women
AHCCCS offers coverage to women for the duration of their pregnancy with no monthly premium payment required. In order to qualify, you must prove your pregnancy through a test or test results from a provider, and meet other residency and income criteria. Through this program, you will not only have the entirety of your prenatal, labor and delivery, and postnatal care covered and available for a very low cost, you have access to an array of additional services if you become sick, injured, or simply want to receive an immunization or screening.
When applying, your income is considered in relation to your family size (you plus one unborn child are already a family of two) and your age, and you must have income less than or equal to 150 percent of FPL, or $23,265 per year for a single woman with no other children.
In order to obtain coverage for your pregnancy through Arizona’s Medicaid program, the following requirements must be met.
- Arizona resident
- U.S. citizen or permanent resident (If neither apply, emergency labor and other services may be available)
- Have a Social Security number or will apply for one
- Apply for an SSN through the U.S. Social Security Administration
- Send a copy of your SSN application with your AHCCCS application
- Has applied or will apply for income that may possibly be available, including unemployment, Social Security, and pensions
- Income less than or equal to the limit, including a portion of spouse’s or parents’ income.
Depending on who you live with, how old you are, how many children you are pregnant with, and how much is earned across all household earners, you may be able to receive coverage for your pregnancy. The AHCCCS program counts income based on how much can be earned on a monthly basis before before taxes and other deductions are subtracted (or the gross income limit). Some income may also be subtracted for work expenses and child care. Income limits change every April 1.
Example: How to Determine Eligibility
If a 25-year-old woman is pregnant with one child, and lives with her spouse and two other children, and earns $700 per month before taxes, $90 would be subtracted for being employed, and her total income would be $610. This amount is divided by 4 as she supports herself, two children, and her husband, and is therefore $152.50.
Her spouse’s gross monthly income is $2400, which is reduced to $2310 due to currently working. Once his income is divided across all family members including himself, his total is $577.50. Combining his and her earnings after reductions, the total family income is $730, which is below the income limit. This woman will qualify for AHCCCS coverage for her pregnancy, as the income limit for her eligibility group (lives with spouse, pregnant with one baby) is $1,628 per month.
Baby Arizona: Prenatal Care
To obtain prenatal services while you wait for your AHCCCS application to process or to determine eligibility, Baby Arizona is available for you to receive regular screenings and other care to keep you and your baby healthy. When receiving care through Baby Arizona, a qualified medical provider will connect you with a nearby doctor who can help you apply for health insurance through AHCCCS.
Pregnant women still need care even while they’re uninsured, and you can receive necessary services including a free pregnancy test through Baby Arizona. It is completely free to begin using Baby Arizona for care, and you have the freedom to choose your own doctor from a list of approved Baby Arizona Doctors.
If you plan to apply for AHCCCS to cover your pregnancy, Baby Arizona is an ideal means of free prenatal care in the interim. For further program details, visit the Baby Arizona website or call 800-833-4642.