Financial barrier: The availability of funds to pay for the cost of theprenatal care as well as delivery, influences many women’s decisions aboutseeking prenatal care. Having a private health insurance does not guaranteethat prenatal care is adequately covered under it 18. Medicaid isthe largest source of health care financing and is responsible for increaseduse of medical services 20. Medicaid helps many low-income womengain access to prenatal care, but not all poor women are covered by thisprogram 20.

Lack of insurance contributes to late initiation or noprenatal care, that may increase pregnancy risk.