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Hi ladies! I got a surprise BFP last Thursday. We were not trying to say the least lol This is baby #4 for us and I have had 3 hospital births but 2 with no pain meds. I really want to have a home birth with this baby .
I was wondering if any of you had Tricare and could help me with what I need to do to see if they will help pay for some of it . We have 2 different home birth midwife practices in the area but they are all CPMs and I had heard that you need a CNM with Tricare.
This is a dream that I really want to come true but I know we cant afford the 3k out of pocket. I really dont want to deliver at a hospital again.
As you know Denise and I both had a home birth with Tricare with a CNM. We did have to pay 2300 out of pocket but that was to her partner who is a LM. Tricare covered our CNMs fees but not her partners. I would do it again in a heartbeat. Even if I had to go with just paying the fee out of pocket.
As Lyndsey said we both did have home births and 1700 was covered by tricare to cover the CNM's fees. Tricare will only cover a home birth if it is attended by a CNM, they do not cover home births attended by a CPM, LM, or DEM. Like Lyndsey we paid 2300 out of pocket for our birth. The midwives total fee was 4000. In order for Tricare to cover any of the home birth fee's through a CMN you need to switch yourself to standard and once you do so you have a 12 month lock out period before you can switch back to prime. If you have anymore questions feel free of message me or ask here. Our midwife billed the insurance so the 1700 was covered before hand, but I do know a lot of CNM's require that you pay for the birth cost up front and then submit a claim for reimbursement to tricare.
Also a lot of midwives dont take tricare they have a hard time getting them to pay so they just stopped taking it all together. You have to switch to standard as well. It may be worth to see how much they charge out of pocket it maybe the same price anyways.
I also know a lot of midwives will work with you and set up a payment schedule. Also I know some military mama's that are seen at the naval hospital the first 20 weeks then transfer to midwifery care because the cost isn't as much since you are only doing half of your care through the midwife. That is another route you could look into. If I were you I would meet with the CPM's in your area. All midwives offer free consultations, and I would ask them about their fees, how much of a difference would it make to just do half your care through them.
Thanks Denise and Lyndsey ! It was a big shock and not expected at all!! I will have to keep looking . I dont think there are any CNM practicing in this area for home birth. I did look up a free standing birth center but the closest one is in North Carolina 3 hrs away. I am really sad about this. The CPMs are charging 3k for prenatal care and delivery but we just dont have it . We just bought a house and have 2 car payments. I will just have to find a good hospital around here . Thanks for the help ladies!!
I would try asking if they can like prorate your care and you can do like half and half through the naval hospital and half through the midwife, it would still have a cost but it could cut the cost in half. Maybe make it more in your price range! I'm super happy for you though, you might get another girl and have 2 of each like me I'm getting the baby fever itch a little lol