usually not, cos most policies state that the costs are only covered if you get pregnant, say 3 mths, after the date of the policy. which means you have to give birth the next year (when your policy would've expired & you'd have to renew). meanwhile, your prental visits will be covered even if you don't renew. your prenatals visit w/ a private obgyn usually cost up to 10000-20000. i paid 20000.