Most insurances will not cover pre-existing conditions. But if you qualify for it than you could try getting medicaid as your secondary insurance to cover what your regular insurance will not.
You should check with your local department of social services. Most states have a program specifically for pregnancy. Many of those programs can be used to supplement your private health insurance.
I have private health insurance that is actually pretty decent as far as covereage but becuase we hadn't met the deductible for the year when i found out I was pregnant it would have been a lot of out of pocket cost so I applied for medicaid and it was approved. They bill my private insurance first and whatever that doesn't cover they bill medicaid for.
Most states that offer a pregnancy medicaid program will have higher income thresholds for that particular type of medicaid than regular medicaid meaning you can be in a slightly higher income bracket and still be approved.
If your pregnant you are already covered with your health benefits, but some insurance companies refuse to cover you or charge you more just because you have pre-existing condition.
In the United States, pregnancy is not considered preexisting anymore. Also, the company cannot charge you more for coverage due to it.
But...this is not sure for short term disability plans and other plans that pay you. Most of those have to be held 12 months before birth.
That should be true...not sure!