NJ FamilyCare will cover you and your kid if you have no insurance for 3 months.
NJ FamilyCare also does NOT cover pregnant woman. They will transfer your case to Medicaid.
If you are pregnant, apply directly with your county Medicaid, which has stricter income limit (e.g. receiving the max. unemployment benefit is enough to disqualify you.)
If you are not qualified for Medicaid, but already pregnant, NJ FamilyCare will still NOT cover you.
I am 6 month pregnant and just went through the whole thing myself, after 2 months of application, having my case being transferred around NJ FamilyCare and Medicaid, just to get "No" from both of them.
So my advice is, apply with them, or get something else before getting pregnant
. I had insurance before but my husband lost his job when I was 3 month pregnant. NJ FamilyCare denied me because I am pregnant, and they denied my toddler because he has COBRA, which we can no longer afford next month.
While federal law bars pregnancy to be considered as pre-existing condition, it only applies to group plan, NOT individual plan. You are really screwed in the state of New Jersey if you are pregnant and have no insurance.