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Popping in with a question... (Insurance Related)

Forum: Home Birth


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January 24th, 2011, 01:50 PM
Platinum Supermommy
Join Date: Mar 2008
Location: Maryland
Posts: 20,233
I'm not currently pregnant, but we do plan to have at least one more in the future and I'm strongly leaning towards a home birth after four hospital deliveries. What I'm wondering is if any of you have had your insurance cover any part of a home birth with a CNM or if it's pretty much always completely out of pocket? Thanks!
~Thanks Babydoll213 for my awesome siggie!~

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January 24th, 2011, 03:01 PM
bre4thewin's Avatar Platinum Supermommy
Join Date: Mar 2008
Location: Fort Bragg, NC
Posts: 9,268
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I have Tricare standard and they are covering 40%! More and more companies are so you should call and ask!

Thank you Mom2*Lauryn*Jacob* for my gorgeous siggie!

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January 24th, 2011, 03:13 PM
HappyHippy's Avatar Platinum Supermommy
Join Date: Dec 2008
Location: Pavia, Italy
Posts: 5,959
My insurance covered nothing.
Mama to G, L & twins F & M
Started off 2013 homebirthing suprise twins Fia Celesta & Maddalena Isabella
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January 24th, 2011, 03:40 PM
HippyMomOf4's Avatar Hippy Mom Extraordinaire
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Location: Tulare, CA
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I have tricare standard as well so same as other poster

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January 24th, 2011, 04:04 PM
Kelllilee's Avatar Platinum Supermommy
Join Date: Dec 2005
Location: Washington State
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I was on medicaid and in my state they DO cover a homebirth, however the midwife I chose was not contracted with them, so it was out of pocket. There are midwives now that accept it though. I would call and ask.
Kellisa, Mama to:
Courtney, Nola, Kya, Whitney, and baby girl #5 coming soon!
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January 25th, 2011, 03:09 AM
Platinum Supermommy
Join Date: Mar 2008
Location: Maryland
Posts: 20,233
Thanks. We use BCBS and I'm reading mixed things about them. Ours covers everything under the sun so I'm hopeful, but not holding my breath. KWIM? It's going to be a big factor in how hard it is to convince DH so I'm starting my planning really early!
~Thanks Babydoll213 for my awesome siggie!~

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January 25th, 2011, 11:19 AM
Platinum Supermommy
Join Date: Feb 2008
Posts: 9,490
I would start by asking the midwives in your area what insurances tend to work with them. Mine is Aetna and they are kind of known for being against homebirth...so I am going to have to have my midwife just word it as "prenatal and postpartum care" I'm not sure if she can label anything else on there...so they'll pay for SOME of it but not tons...The rest will be out of pocket.

If you do ask your insurance yourself...I'd keep the word "homebirth" out of it until you hear THEIR stance on it so they done deny anything in the future...I'm overly cautious though...You could ask "what kind of midwifery services do you cover" or something....
Momma to Emma, Elzie, Gretchen, Olive, and Rogan

We aren't to give a baby milk, berries, or peanut butter. We are to introduce new foods one at a time. But it's OK to inject several viruses, bacteria, aluminum, formaldehyde, phenoxyethanol, animal serum, mercury, squalene and more into an 8 week old? I don't think so.
In order to be healthy it is an unfortunate fact that people must be allowed the opportunity to be ill. I trust my body and those of my children to work correctly against the relatively benign diseases they vax for, and do not trust the ingredients in the vaccinations.
Our choice to not vax isn't based in ignorance, poverty, conspiracy theory and rumor. It's research, common sense, fact and evidence based..something the medical community has largely forgot about.
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January 25th, 2011, 08:03 PM
Lucky Mama's Avatar Platinum Supermommy
Join Date: Apr 2010
Location: Utah
Posts: 5,575
Our insurance isn't covering any of it, but we would be paying out of pocket any way (very high maternity benefits deductible), so this way is still TONS cheaper. And by "TONS" I mean thousands of dollars.

No harm in checking it out and seeing what midwife services they cover!

____ _ _ _ _ _ _ _ _
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January 26th, 2011, 12:22 PM
Twinkle's Avatar Platinum Super Mommy
Join Date: Oct 2004
Location: New York
Posts: 57,412
My friend has BCBS and her homebirth was covered 100%.... so there is hope!

My births were covered about 80%.

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January 28th, 2011, 07:00 AM
Mommy to girls
Join Date: Jul 2010
Location: South Carolina
Posts: 2,014
I have BCBS and nothing was covered. I guess this may vary by state.
Kim- Mommy to 5 girls
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