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  #1  
April 28th, 2011, 06:00 AM
sarah1up's Avatar Member
Join Date: Apr 2011
Posts: 35
A little background for my family: We lived in Missouri and my husband was unemployed for a while so we ended up on Medicaid for this pregnancy. (So I was seeing a regular doctor in a clinical setting.) He got a really good job that we moved to South Carolina for and we are now on insurance. At first it was great, but after getting here I found out that (understandably) midwives require payment up front and that the insurance we have claims to pay for a midwife assisted delivery, they actually eat up all the money you would get back by having extra fees and counting all midwives as out of network. I'm at 34 weeks now and running out of time. There's no way for us to come up with the $3000 to $5000 the midwives charge. I am looking into a birth center and our other option of just having an unassisted birth at home. I don't mind having a UC, it's just not fair that it has to be so darn difficult to have a baby around here. Sorry for the vent, I'm sure this is something everyone else goes through so thanks for listening.
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  #2  
April 28th, 2011, 10:22 AM
Platinum Supermommy
Join Date: Feb 2008
Posts: 9,490
Aw...HUGS! I hear ya....we have insurance but they are VERY anti-homebirth...but they do support midwife care....go figure...lol...anyway...so we have paid what we KNOW we will be responsible for (deductible) and the rest will be paid monthly and hopefully 80% by insurance....we'll see....argh...fortunately they are willing to work with us....even if they say they are wanting it all up front have you talked in person to see if they'll work with you if you pay a % now ??? Is that something that is possible....HUGS!!!!
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Martha
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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  #3  
April 28th, 2011, 08:11 PM
Mega Super Mommy
Join Date: Nov 2010
Posts: 2,571
Can you get the midwives to itemize so that the fee is less since you transferred into their care so late in pregnancy?

Our midwifery group is also considered out of network with my insurance. BCBS is anti-home birth, so they won't consider any home birth midwives in network (at least here). I have to pay a higher out of network deductible and 40%. My midwives told me that when they used to submit the claim as a "global" claim for the whole pregnancy and delivery, they would get a statement back from BCBS that they would only cover about $2000 (and then the mom would get still get stuck with 40% of that plus the difference between the $2000 and what the group actually charged), but once they started submitting the claims with each visit, test, delivery, post-partum care, etc. itemized separately, BCBS started paying for more. For me, BCBS agreed that the midwives would get paid $4500 (what the midwives actual fee is for me), and I have to pay 40% of that plus my deductible.
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Mom of 3 awesome girls

Lucia Jane, born 10.9.11


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  #4  
April 29th, 2011, 04:39 AM
sarah1up's Avatar Member
Join Date: Apr 2011
Posts: 35
Thanks for the help. I talked to one midwife, but she said that she can't afford to cover her bills "waiting for everyone who owes her money to pay". Which I understand, I guess. I found a birthing center run by midwives I am going to talk to on Tuesday. It's not a home birth, but it's a really nice relaxed setting (with whirlpool tubs so I can't complain). At least they are better about billing to the insurance and allow us to make payments on whats left. They are going to figure it up for us then and let us know what it's going to be.
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Mom to Jet (Aug 07) and PJ (due June 6th).
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  #5  
April 29th, 2011, 07:46 AM
Platinum Supermommy
Join Date: Feb 2008
Posts: 9,490
good luck!!! I had my last in a Birthing Center....and it was next best thing to home....Home wasn't an option at that point so I was happy to have the BC. It's closed now or dh wouldn't have agreed to homebirth! LOL...
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Martha
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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  #6  
May 10th, 2011, 02:43 PM
Britt3's Avatar Super Mommy
Join Date: Aug 2009
Posts: 861
My insurance didn't cover my homebirth either; and it's A-legal where I live (so very rare to have any insurance cover it). I was able to make a few payments to my midwife during my pregnancy, and that worked out great. My fiance at the time, and I, did everything we could to get the extra money. I would have gotten a loan if I needed to. lol. We only had one local birthing center, and their statistics/odds weren't all that great.

Anyways, if you find a birthing center you like, I say go for it. Have you checked into midwives in other areas that could come to you? That may involve transportation fees, but there may be midwives out there who would be willing to accept payments (even after the baby is born).

Good luck on your decision!
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