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Putting a Baby Up for Adoption With Little or No Insurance

Because there are many misconceptions about the requirements to place a child for adoption, some women are unaware adoption is an option even with limited or no health insurance. Contact us now online or call us at 1-800-ADOPTION to get more information. We'll help you receive medical care at no cost to you.

Medical expenses from pregnancy can quickly become a financial burden — especially if you had no plans to become a parent at this time. You may not have a steady job or partner to raise a child with, and staring down the upcoming responsibility of childbirth and delivery can be overwhelming. Perhaps you’re considering adoption. But, knowing the difficulties of your situation, you may have one big question:

“Do you need insurance for giving a kid up for adoption?”

Health insurance is critical in everyone’s life, but especially so for an expectant mother. But, if you’re like many other birth mothers, you may be working a job that doesn’t provide health insurance, your citizenship status may disallow health insurance, or you may be dependent on state medical assistance.

So, can you still place a child for adoption in these situations?

The answer is yes. Adoption is always an option, even if you don't have health insurance.

At American Adoptions, we work with birth mothers from all different kinds of situations — including women who don’t have health insurance. This will not disqualify you from the adoption process, and it will have no influence on the kind of support and care you receive from our agency. We are fully committed to helping you.

If you have little or no insurance and want to put a baby up for adoption, we encourage you to contact our adoption professionals right away by either filling out our online form or contacting us at 1-800-ADOPTION to get started on your adoption plan. Until then, continue reading to learn more about how adoption is always an option.

Can I Give My Baby Up for Adoption if I’m on Medicaid?

Oftentimes, women choose adoption because they cannot afford to raise a child. Many of them are on state-funded insurance plans and receiving other kinds of state assistance. Therefore, they ask, “Can I do Medicaid and still do adoption?”

Of course you can — and American Adoptions is here to help.

You will never be disqualified from choosing adoption because of your financial situation. Even if you are insured under Medicaid, you will never be expected to pay for your medical expenses during adoption. That will always be our responsibility as an agency. As a birth mother, adoption is always 100% free for you. Your status as a recipient of Medicaid will not deter our professionals from providing you the care and support that you need.

With over 25 years of experience as one of the nation’s largest domestic infant adoption agencies, American Adoptions has helped thousands of birth mothers in various unique situations to place their child for adoption. We are confident we can help you as well!

Do You Need Insurance for Giving a Kid Up for Adoption?

Sometimes, women facing an unplanned pregnancy have no insurance at all. This can be extremely stressful, and they wonder how they will ever afford the costs of pregnancy and childbirth, even if they place their child for adoption.

Know this: You do not need insurance for giving a kid up for adoption. When you start working with American Adoptions, your adoption professional will help you obtain the medical care you need. This often includes guiding you through the process of applying for Medicaid, if you are eligible. This way, we can ensure that your medical needs will be covered during your pregnancy and your delivery process.

An adoption professional will contact the appropriate networks and offices to obtain insurance coverage for you during your pregnancy. They will also look for other state-funded options to supplement your medical expenses outside of what is covered by your new insurance policy. They will make sure you are not financially burdened by any medical costs incurred during your adoption.

Don’t let your status as an uninsured mother keep you from beginning the adoption process if it is the right choice for you. At American Adoptions, we work with many women who do not have insurance at the time of their pregnancy. We will make sure that you receive the same medical coverage as any other expectant mother.

What Medical Assistance Will I Receive with American Adoptions?

Whether you are on Medicaid or have no insurance and want to put a baby up for adoption, American Adoptions is here for you. Your adoption professional will work closely with you to create an adoption plan, which will cover every aspect of your adoption process — including which professionals you will go to for prenatal care and which hospital you will deliver your child at. Your professional will make sure every health care provider that you work with is covered under your insurance policy.

But, what about those medical costs of pregnancy and childbirth that are not covered by your insurance provider?

As a birth mother, you will never be responsible for any costs during your adoption process, including medical costs. Those will always be taken care of by the adoptive family or your adoption agency. When adoptive families enter into the adoption process, they fully understand the financial responsibilities of doing so. In fact, they are more than happy to help make your adoption process easier on you in any way they can.

Sometimes, women wonder whether their medical history and personal situations can disqualify them from receiving medical assistance through our agency. The answer is no; our adoption professionals will work with you, regardless of how expensive your medical bills are, what previous conditions you may have, or even your legal status in this country.

In addition to medical assistance, you may also be eligible to receive living expenses for things like rent and travel costs. This is all a part of our mission to make adoption as easy as possible for you, should you choose this path for your child. We help ensure you are receiving the living expenses you are entitled to, and that all payments made by the adoptive family to cover your living expenses are legal. 

Living expenses may include: 

  • Rent and utilities 
  • Food 
  • Transportation 
  • Maternity clothing 
  • Phone service 
  • And much more

Keep in mind, medical assistance and living expenses are not the only important support you will receive as a birth mother. When you choose adoption with American Adoptions, you’ll receive services such as: 

  • Adoption planning: Your adoption professional will walk you through every step of the adoption plan, personalizing each detail to make sure it follows your preferences.
  • 24/7 counseling and support services: If you have questions or just need to talk to someone, adoption professionals are ready to answer your call, 24/7. With such an emotional decision as adoption, counseling services are available pre-and post-placement to make sure you are getting the support you may need. 
  • Legal representation: Working with a trusted adoption attorney ensures all steps are being completed legally and ethically. When you choose American Adoptions, we provide you with the legal representation you need to feel comfortable and confident. 
  • Countless other benefits.

No matter where you are at in your pregnancy, if you are considering adoption but are hesitant due to your insurance situation (or lack thereof), give us a call. A professional will be more than happy to answer any questions you may have and explain to you how insurance plays a role in your adoption. Contact our agency for free at 1-800-ADOPTION today to get more information.

Information available through these links is the sole property of the companies and organizations listed therein. American Adoptions provides this information as a courtesy and is in no way responsible for its content or accuracy.

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Frequently Asked Questions

Why is American Adoptions the right adoption agency choice for many birth mothers?

American Adoptions is one of the largest licensed adoption agencies in the United States. Each year, we work with thousands of women who are facing an unplanned pregnancy and offer assistance to these women. Our large, caring staff is able to assist you seven days a week and provide you with one-on-one counseling about your pregnancy and available options.

You should choose an adoption agency where you feel completely comfortable with their services and staff. With American Adoptions, you will work with an Adoption Specialist who is on-call 24 hours a day, 7 days a week. The Adoption Specialist will be your advocate and will provide support and guidance as you create an adoption plan that is right for you.

How will the family tell my child about me and the adoption when my child is older?

Each family has their own style of introducing adoption to the child. When you are matched with an adoptive family, you can ask them this question. If you would like your Adoption Specialist to discuss it for you, just let her know. He or she can share your wishes or provide good ideas from other adoptive families.

You will also be able to share what you want your baby to know about you. You can complete a keepsake booklet to share hobbies, stories, photos of you and your family and a letter to your baby. The adoptive family can provide this to your child as he or she grows older. Be as creative as you like! Some birth mothers have even knitted a special blanket as a gift to their baby or given a similar symbol of their love.

The father of your baby can fill out the birth father's keepsake booklet or write a letter too. You may have other family members who would also like to share photos or a letter to the baby. This is your opportunity to pass on your and your family's love and to share your personality, history and reasons for choosing adoption. The adoptive family will treasure whatever information you provide and will share it with the baby at an appropriate age. In most adoptive homes, the word adoption is in the child's vocabulary early on, and adoption is celebrated in their lives.

Additional Resources

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