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How Much Does Prenatal Care (Full Pregnancy) Cost?

Prenatal care encompasses all routine medical visits and screenings during pregnancy, including monthly check-ups, lab work, ultrasounds, and maternal health monitoring from confirmation of pregnancy through delivery.

Without Insurance

$2,000

With Insurance

$400

Medicare

$300

Cost by State

State Without Insurance With Insurance Medicare
Mississippi $1,400 $300 $200
Arkansas $1,500 $300 $200
Oklahoma $1,500 $300 $200
Alabama $1,600 $300 $200
Louisiana $1,600 $300 $200
Missouri $1,600 $300 $200
West Virginia $1,600 $300 $200
Iowa $1,700 $300 $300
Kansas $1,700 $300 $300
Kentucky $1,700 $300 $300
South Carolina $1,700 $300 $200
Tennessee $1,700 $300 $300
Georgia $1,800 $400 $300
Idaho $1,800 $400 $300
Indiana $1,800 $400 $300
Nebraska $1,800 $400 $300
New Mexico $1,800 $400 $300
North Carolina $1,800 $400 $300
Ohio $1,800 $400 $300
South Dakota $1,800 $400 $300
Utah $1,800 $400 $300
Arizona $1,900 $400 $300
Montana $1,900 $400 $300
Texas $1,900 $400 $300
Wyoming $1,900 $400 $300
Florida $2,000 $400 $300
Michigan $2,000 $400 $300
Nevada $2,000 $400 $300
North Dakota $2,000 $400 $300
Virginia $2,000 $400 $300
Wisconsin $2,000 $400 $300
Colorado $2,100 $400 $300
Illinois $2,100 $400 $300
Minnesota $2,100 $400 $300
Pennsylvania $2,100 $400 $300
Delaware $2,200 $400 $300
Maine $2,200 $400 $300
Oregon $2,200 $400 $300
Vermont $2,200 $400 $300
Maryland $2,300 $500 $300
Rhode Island $2,300 $500 $300
Washington $2,300 $500 $300
New Hampshire $2,400 $500 $400
New Jersey $2,500 $500 $400
Connecticut $2,600 $500 $400
California $2,700 $500 $400
Alaska $2,800 $600 $400
Massachusetts $2,800 $600 $400
New York $2,800 $600 $400
Hawaii $2,900 $600 $400

Frequently Asked Questions

How much does prenatal care (full pregnancy) cost without insurance?

The average cost of prenatal care (full pregnancy) without insurance in the United States is $2,000. Costs vary significantly by state.

Does insurance cover prenatal care (full pregnancy)?

Most health insurance plans cover prenatal care (full pregnancy) when medically necessary. With insurance, the average out-of-pocket cost is $400.

Does Medicare cover prenatal care (full pregnancy)?

Medicare Part B typically covers prenatal care (full pregnancy) when ordered by a doctor. The average Medicare-approved amount is $300.

What additional costs should I expect beyond prenatal care (full pregnancy)?

Additional costs may include prenatal testing, anesthesia fees, newborn care, extended hospital stays, and any complications. These can add $1,000 to $5,000 or more.

Data sourced from FAIR Health Consumer & CMS Medicare Provider Payment Data 2025. Last updated: 2026-03-01. This information is for educational purposes only and does not constitute medical advice.