{"id":355831,"date":"2016-04-04T10:46:17","date_gmt":"2016-04-04T15:46:17","guid":{"rendered":"https:\/\/ability-fl-prod.internetbrands.com\/ability-law\/healthcare\/patient-rights\/overview-of-the-newborns-and-mothers-health-protection-act.html"},"modified":"2026-08-18T11:56:00","modified_gmt":"2026-08-18T16:56:00","slug":"overview-of-the-newborns-and-mothers-health-protection-act","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/healthcare\/patient-rights\/overview-of-the-newborns-and-mothers-health-protection-act.html","title":{"rendered":"What Is the Newborns&#8217; and Mothers&#8217; Health Protection Act?"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">What Is the Newborns&#039; and Mothers&#039; Health Protection Act?<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-mccall-j-d\/\">Melissa McCall, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/aviana-cooper-esq\/\">Aviana Cooper, Esq.<\/a>\n                | Last updated\n        <time>\n                            August 18, 2026\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <div data-testid=\"ai-message-body\">\n<div>\n<div id=\"ZpWfL1vTHnn3NMCxaw4t7-content-0\">\n<p>The Newborns\u2019 and Mothers\u2019 Health Protection Act requires certain health plans to cover a minimum hospital stay after childbirth\u201448 hours for vaginal deliveries and 96 hours for cesarean sections. Only the attending provider can approve an earlier discharge, ensuring mothers and newborns receive essential postpartum care. These protections help prevent rushed releases and support safer recovery for both mother and baby, aligning with postpartum care standards.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<p>The Newborns&#8217; and Mothers&#8217; Health Protection Act of 1996 (NMHPA) is a federal law that governs how long a health plan covering childbirth must pay for a mother and newborn to stay in the hospital after birth. Under this public health law, certain health insurance issuers must cover hospital stays following delivery.<\/p>\n<p>The type of delivery determines how long insurance must cover your hospital stay. For vaginal delivery, it is at least 48 hours. For <a href=\"https:\/\/www.webmd.com\/baby\/what-happens-during-c-section\" target=\"_blank\" rel=\"noopener\">cesarean sections<\/a> (C-sections), it is 96 hours. These periods begin at the time of delivery, not when the hospital admits the pregnant woman. Only the attending provider can discharge the mother and her newborn child before the time ends. The provider must consult the mother before discharge.<\/p>\n<p>This article explains the purpose of the NMHPA and outlines a few of its regulations. If you\u2019re facing coverage issues or unclear plan rules, a <a href=\"https:\/\/lawyers.findlaw.com\/health-health-care-law\/\" target=\"_blank\" rel=\"noopener\">healthcare attorney<\/a> can help you understand your rights under the NMHPA.<\/p>\n<h2>Purpose of the Newborns&#8217; and Mothers&#8217; Health Protection Act of 1996<\/h2>\n<p>New moms face many <a href=\"https:\/\/www.webmd.com\/baby\/understanding-labor-delivery-complications-detection-treatment\" target=\"_blank\" rel=\"noopener\">health conditions following labor<\/a> requiring further medical care. Some of these conditions include the following:<\/p>\n<ul>\n<li>Incontinence<\/li>\n<li>Continued contractions<\/li>\n<li>Cesarean section wounds<\/li>\n<li>Uterine or breast infections<\/li>\n<li>Blood clots or heavy bleeding<\/li>\n<\/ul>\n<h3>Maternal Well-Being<\/h3>\n<p>Maternal well-being is an essential aspect of women&#8217;s health. Before Congress enacted this bill, health insurance companies pressured health care providers to quickly discharge mothers after birth. Often this was against their professional judgment.<\/p>\n<p>Early birth increases &#8220;health risks for mothers and newborns.&#8221; This includes\u00a0<a href=\"https:\/\/www.congress.gov\/congressional-report\/104th-congress\/senate-report\/326\/1\" target=\"_blank\" rel=\"noopener\">preventable risks<\/a>, such as newborn jaundice. This also includes mental health conditions like postpartum depression. Maternity care and maternal well-being are not limited to the prenatal period.<\/p>\n<h3>Postpartum Care<\/h3>\n<p>Congress modeled the NMHPA after guidelines set forth by the <a href=\"https:\/\/www.acog.org\/\" target=\"_blank\" rel=\"noopener\">American College of Obstetricians and Gynecologists<\/a> (ACOG) and the <a href=\"https:\/\/www.aap.org\/?srsltid=AfmBOopBdwM8qqD3-iNOfzvr_iSFTGde2acluSXcONrzJgJZA7qOFXl5\" target=\"_blank\" rel=\"noopener\">American Academy of Pediatrics<\/a> (AAP). Allowing a minimum 48-hour stay ensures the mother and newborn receive adequate postpartum care.<\/p>\n<p>Maternal health care providers can screen the newborn child for metabolic and genetic disorders and educate the mother. They can also plan follow-up care based on test results. The minimum stay also allows health care providers to support initiatives <a href=\"https:\/\/www.findlaw.com\/family\/parental-rights-and-liability\/breastfeeding-laws-by-state.html\">such as breastfeeding<\/a>.<\/p>\n<hr \/>\n<p>The NMHPA ensures mothers and newborns receive safe, medically appropriate hospital care after delivery, not rushed discharge. If you\u2019re facing questions about coverage, length\u2011of\u2011stay rules, or a plan that isn\u2019t following NMHPA requirements, legal help is available. <a href=\"https:\/\/lawyers.findlaw.com\/health-health-care-law\/\" target=\"_blank\" rel=\"noopener\">Find an attorney near you.<\/a><\/p>\n<hr \/>\n<h2>Coverage Requirements<\/h2>\n<p>The\u00a0<a href=\"https:\/\/www.dol.gov\/sites\/dolgov\/files\/ebsa\/about-ebsa\/our-activities\/resource-center\/faqs\/nmhpa.pdf\" target=\"_blank\" rel=\"noopener\">NMHPA<\/a>\u00a0has a few unique rules. First, health insurance companies cannot provide incentives to the mother in exchange for not accepting all the benefits under the NMHPA. They cannot incentivize health care providers (including nurse midwives and physician assistants) to discharge mothers before the time is up. Pre-authorization for pregnant women is not necessary under the NMHPA.<\/p>\n<h2>Special Enrollment<\/h2>\n<p>A new birth or adoption triggers a special enrollment period. Special enrollment allows new parents or dependents to enroll in a new health care plan. If they enroll in their employer&#8217;s plan, they must\u00a0<a href=\"https:\/\/www.dol.gov\/sites\/dolgov\/files\/ebsa\/about-ebsa\/our-activities\/resource-center\/faqs\/nmhpa.pdf\" target=\"_blank\" rel=\"noopener\">notify their plan<\/a>\u00a0within 30 days of the birth or adoption. This timeframe doubles if they enroll in a health care plan on the Health Exchange Marketplace.<\/p>\n<h2>Health Insurance Portability and Accountability Act (HIPAA)<\/h2>\n<p>As with any health benefit plan, <a href=\"https:\/\/www.findlaw.com\/healthcare\/patient-rights\/hipaa-the-health-insurance-portability-and-accountability-act.html\">HIPAA protects your right to privacy<\/a>. Unless there is an exception to HIPAA&#8217;s rules, your attending provider cannot share any information without your consent.<\/p>\n<h2>Health Care Plans Subject to the Newborns&#8217; Act<\/h2>\n<p>The NMHPA applies to health insurance coverage self-insured by the employment-based plan. State laws may offer similar protections if you get your insurance from an HMO.<\/p>\n<p>The Act applies to\u00a0<a href=\"http:\/\/www.cms.gov\/CCIIO\/Programs-and-Initiatives\/Other-Insurance-Protections\/nmhpa_factsheet.html\" target=\"_blank\" rel=\"noopener\">two types of health insurance<\/a>:<\/p>\n<ol>\n<li>Group health plans (through an employer or union), and<\/li>\n<li>Individual health insurance plans (self-insured).<\/li>\n<\/ol>\n<p>The U.S. Department of Labor regulates private employer group health plans. The Centers for Medicare &amp; Medicaid Services (CMS) regulates state and local government plans. A state&#8217;s insurance department handles group health plans. It is the insurance company&#8217;s regulator. Your plan administrator can share your plan&#8217;s status.<\/p>\n<p>The <a href=\"https:\/\/www.findlaw.com\/employment\/wages-and-benefits\/erisa-and-healthcare-plan-enforcement.html\">Employee Retirement Income Security Act<\/a> (ERISA) enforces private employer-based health care plans.<\/p>\n<h3>Group Market<\/h3>\n<p>On Oct. 20, 2008, the Internal Revenue Service (IRS), the U.S. Department of Labor (USDOL), and the Department of Health and Human Services (HHS), together, issued interim final rules implementing the group market provisions of the NMHPA. Group market refers to group health insurance plans.<\/p>\n<h2>Cost-Sharing Under the NMHPA<\/h2>\n<p>If your hospital length of stay exceeds 48 or 96 hours, as outlined in the NMHPA, your share of the costs should stay the same. The Final Rules\u00a0for the NMHPA are clear on cost-sharing. Your <a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/health-insurance.html\">health insurance provider<\/a> can only charge up if your stay is within the stated hours. The cost-sharing rate must remain consistent throughout your entire stay.<\/p>\n<h2>Protect Your Rights: Get Legal Help<\/h2>\n<p>The Newborns&#8217; and Mothers&#8217; Health Protection Act provides health protection for mothers and their babies. The last thing a new mother should have to worry about is being rushed out of the hospital due to insurance. If your insurance is denying coverage or you&#8217;re confused about your rights under the NMHPA, you&#8217;re not alone. An experienced <a href=\"https:\/\/www.findlaw.com\/hirealawyer\/choosing-the-right-lawyer\/health-and-health-care-law.html\">local healthcare lawyer<\/a> can provide legal advice tailored to your situation.<\/p>\n<p class=\"\">FindLaw\u2019s\u00a0directory of\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/health-health-care-law\/\" target=\"_blank\" rel=\"noopener\">healthcare attorneys<\/a> can get you started. Enter your city or ZIP code for a list of qualified legal professionals near you. Because some of your state\u2019s laws are relevant, your attorney should be licensed in your state. Your search results will also show important details about prospective attorneys, like ratings and whether they offer free case evaluations.\u00a0<\/p>\n\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" 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                 for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    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          class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"fl-section-sidebar\"><div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Most people can choose a health plan without legal help\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    <span data-sheets-root=\"1\">Healthcare systems and insurance companies are well-resourced with teams of attorneys on their side<\/span>\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Complex heath care cases (such as medical malpractice, bioethics, or health advocacy) may need the support of an attorney\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Protect your patient rights with an attorney at your side. 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