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Dh and I have been discussing it and we decided that we simply cannot afford the homebirth. So unless something changes with the insurance coverage then I will have to deliver with an OB in a hospital. Our insurance covers maternity at 100% after the first visit for prefered providers, for non preferred providers it covers them at a 70/30 split +copays and our deductible. Which would put our cost at around or just over $1000 and we can't afford that right now. I wish there was a way but we can't come up with one right now.
it's so hard! We're paying $1500 for ours. I had to get a part time job to pay for it, which is a huge sacrifice for me. But I can COMPLETELY understand where you're coming from! We struggled with it ourselves too and have had a lot of discussions.
Thankfully our midwife lets us make payments and isn't picky about how much and when, just as long as it's before baby is born. We are paying 100% out of pocket (except for u/s and lab work, which is covered under medicaid). I'm very grateful she is so inexpensive.
I'm sorry it doesn't look like it's going to work out! I hope something comes up to help
Kellisa, Mama to:
Courtney, Nola, Kya, and Whitney
Breastfeeding Peer Counselor, training to be an IBCLC!
I would get a part time job but dh's job is unpredictable so I never know if he'll have to work late or be out of town and I don't have anyone here to watch my girls while I work. If we scrounged and scrimped we might be able to come up with it, but a hospital birth is completely covered and it is just the simpler way to go, if we change our minds we might switch back but we aren't sure at this point so we are going with this route for now.
I'm sorry. I hope you find a great OB on your preferred provider list!
(You may want to consider bringing in a doula, and since a lot of the doulas-in-training need to attend so many births before they can be certified, they'll often offer their services for free. She could help you navigate the hospital system and be a nice touch point throughout the birth).
I'm sorry, I know its really hard to give up that dream. We had to pay 1950 out of pocket, that was after our insurance paid the out of network percentage. Good luck either way, maybe you can interview doctors for the most natural birth friendly OB.
I called a local doula organization and got an OB that is pro choice (as in the mother can deliver and labor how ever she chooses) recommeded to me. I am going to call and meet with him and I am going to try to find a doula with low costs that could be there to help me during labor and delivery.