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Insurance and home births


Forum: Home Birth

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  #1  
July 2nd, 2010, 05:25 PM
mommabirdof4
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Did your medical inssurance cover you birth or will it???

That is going to be the breaking point for us...if my insurance won't pay for it then we have no choice but to go with a hosptial birth which I do not want to do for our next baby who we are TTC.
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  #2  
July 2nd, 2010, 05:41 PM
Twinkle's Avatar Platinum Super Mommy
Join Date: Oct 2004
Location: New York
Posts: 57,412
Our insurance covered part of it. We had to pay $2,000 out of pocket. My insurance covered about $4,000 (or at least we are hoping they do... they haven't paid yet).
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  #3  
July 2nd, 2010, 07:36 PM
Alison79's Avatar Platinum Supermommy
Join Date: May 2005
Location: Texas
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For my first home birth my insurance covered the birth at out of network rates. The next two births they did not cover at all, but my midwife offers a cash discount and payment plan so we were able to pay her over 8 months.
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  #4  
July 2nd, 2010, 07:51 PM
laisydaisymama's Avatar Natural Birth Junkie
Join Date: Feb 2008
Location: Texas
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my insurance does not cover it, we have to pay totally out of pocket.

we thought that meant we couldn't do it, but once we realized there wasn't a huge difference between my midwife's fees and our deductible, it made more sense to just pay her. I would check on what your total out of pocket would be on the hospital birth and how much the midwife would cost.

We are also making monthly payments to my midwife.
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  #5  
July 2nd, 2010, 08:14 PM
inyourhonor's Avatar Platinum Supermommy
Join Date: Apr 2008
Location: Metro Detroit
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No, I have to pay completely out of pocket. My midwife however works with her clients on an income sliding scale and payment plan. Our last birth was paid off 2 weeks before he was born. This birth, will probably be paid off after he's born and I haven't been able to pay a single thing yet :/
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  #6  
July 2nd, 2010, 08:48 PM
laisydaisymama's Avatar Natural Birth Junkie
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Location: Texas
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yeah we won't be done paying before baby gets here.
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  #7  
July 3rd, 2010, 07:38 AM
Kelllilee's Avatar Platinum Supermommy
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I had state insurance and it does cover homebirths, but the midwife I chose does not take any insurances. I had the option of it being covered.
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  #8  
July 3rd, 2010, 05:26 PM
bre4thewin's Avatar Platinum Supermommy
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My husband is active duty Army. I have Tricare Standard, and I would have to pay the full price out of pocket then file with my insurance which reimburses up to 50%. So in the long run it would have cost us 1800 out of pocket. Unfortunately our bean didnt stick...trying again next month...then i will know for sure!!!!
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  #9  
July 3rd, 2010, 07:56 PM
HappyHippy's Avatar Platinum Supermommy
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Nope, paid $2,700 out of pocket.
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  #10  
July 4th, 2010, 08:02 AM
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Insurance covered my HB completely.
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  #11  
July 5th, 2010, 08:41 AM
bre4thewin's Avatar Platinum Supermommy
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Quote:
Originally Posted by Pyrodjm View Post
Insurance covered my HB completely.
what insurance do you have out of curiosity?
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  #12  
July 5th, 2010, 10:40 AM
CameraLinds's Avatar Zane & Jude's mama
Join Date: Mar 2007
Location: UK
Posts: 23,138
Our homebirth with Zane was covered 80%, which was great!

This time around we're not so lucky, we're living in the UK and there's no insurance since there's the national healthcare system, so we're paying out of pocket since we're using a private midwife. We could have used the NHS and hoped and prayed we would have gotten a homebirth but it's not 100% guaranteed and that freaked me out, so it's worth it for us to pay, so that we know we will probably have our homebirth unless of course of emergency transport- which would be covered 100% by the NHS, but praying that doesn't happen.
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  #13  
July 5th, 2010, 11:29 AM
oriel13's Avatar Tishauna
Join Date: Jan 2008
Location: Ohio
Posts: 6,250
We're also on Tricare, I'm expecting it to pay about 40% of my homebirth from what my midwife's gotten with other Tricare clients.

Now, finding a midwife they would actually cover was a whole other ordeal! Tricare will only cover CNMs, and although my midwife isn't a CNM she's listed as one with our insurance so they said they'd pay for her.
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  #14  
July 6th, 2010, 06:53 PM
mommabirdof4
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I talked to my insurance today and they won't pay anything.

So looks like I will have to come up with 2,600$ to cover it. But they do give a 400$ discount if it is paid in full by 28 weeks.

I think my best bet would be to try to borrow the money from my dad...then make payments to him that way I can take advantage of the discount. Either way it will be cheaper then if I had a hospital birth!!!
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  #15  
July 6th, 2010, 07:19 PM
BobbityBoo's Avatar Platinum Supermommy
Join Date: Aug 2009
Location: The Left Coast
Posts: 816
My insurance covered a midwife the same as an OB. Our deductible was so stinkin' high that we more or less will end up paying for it out of pocket. We haven't got the bill yet!
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