Financial barrier: The availability of funds to pay for the cost of the
prenatal care as well as delivery, influences many women’s decisions about
seeking prenatal care. Having a private health insurance does not guarantee
that prenatal care is adequately covered under it 18. Medicaid is
the largest source of health care financing and is responsible for increased
use of medical services 20. Medicaid helps many low-income women
gain access to prenatal care, but not all poor women are covered by this
program 20. Lack of insurance contributes to late initiation or no
prenatal care, that may increase pregnancy risk.