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.