If you are planning a family, or are already pregnant, having
maternity insurance
coverage is vital. Most couples cannot afford the cost of labor and delivery, not to mention the prenatal checkups and ultrasounds without some type of coverage.
According to the American Pregnancy Association, over 41 million Americans are uninsured, and many of those who are insured do not have enough coverage.
13% of women who become pregnant each year do not have insurance, and their babies can suffer because of it.
Lack of prenatal care can be detrimental to you and your baby. Going without health insurance doesn't seem to be a plausible option for most couples, because the out of pocket costs for simple procedures can be hundreds, even thousands of dollars.
How Much Does Labor and Delivery Cost?

Cost for Labor and Delivery can vary. Here are a few average figures for the U.S.
The average cost for an uninsured, vaginal, complication-free delivery in the U.S. is somewhere between $9,000-$17,000, depending on geographic location.
YOU NEED MATERNITY INSURANCE!
Out of pocket costs for a couple with health insurance is typically between $500-$3,000...but some will have no out of pocket costs at all.
Additional costs include, medications (labor inducing drugs such as Pitocin, antibiotics, vaccines, etc.).
The cost of a c-section or complicated delivery is on average between $14,000-$25,000 for an uninsured woman.
What Options Do I Have?