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Curious-how much are you paying out of pocket for your hb?


Forum: Home Birth

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  #1  
August 30th, 2007, 07:42 AM
JerseyJess's Avatar Super Mommy
Join Date: Jul 2007
Posts: 685
Oh and where are you? (As I'm sure it's regional)

I'm in NJ and with my last birth I had to pay $2000.00 by 32wks and ended up paying a total of $4000.00 out of pocket (insurance only covered $1100) this time my midwives are willing to negotiate a lower fee for me as they know I can't afford that again (and I'll be in my 3rd trimester before switching to them)
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  #2  
August 30th, 2007, 09:28 AM
ShawnaCAN's Avatar Platinum Supermommy
Join Date: Aug 2006
Location: Alberta, Canada
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In Canada, with an America midwife. Total fee is approx. $2000. Have to pay half prior to the birth, and can pay off the rest as we are able.
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  #3  
August 30th, 2007, 09:33 AM
Butter's Avatar Heather the Mama Duk
Join Date: Oct 2005
Location: San Antonio TX
Posts: 28,853
I'm in the Washington DC Metro area. I chose to go with an almost CPM (which is about half the cost of a homebirth with a CNM!). For prenatal, birth, postnatal, and the assistant at the birth it was $2500. For fewer prenatal visits than "normal" she only charges based on the number of visits (so if you switch to her late or just want fewer visits you pay less). She gives a 10% discount for paying by 36 weeks. Now that she's a CPM the next time I have a baby she'll be able to bill our insurance so we won't have to pay the full amount. She gives an additional 10% discount for repeat customers, which we will be next time.

In 2001 I had Cameron in a freestanding birthing center in southern MD with a CNM. Her total was $3600 (switched to her at 37 weeks, would have been more if I had been seeing her the whole pregnancy). My insurance paid $800 and I paid $2800.
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  #4  
August 30th, 2007, 09:38 AM
Mommy2Amara&Kayori's Avatar Platinum Supermommy
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I am in Washington. Medicaid is covering my HB. Alls I have to pay for is her $35 birth kit and her gas to come to my house, which starts when I am 37 weeks.
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  #5  
August 30th, 2007, 10:20 AM
Twinkle's Avatar Platinum Super Mommy
Join Date: Oct 2004
Location: New York
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My midwife's fee is $5000 here in NY. I have to pay $2000 by week 32 I believe. My midwife won't bill me anymore until we see what the insurance company pays for. If our insurance pays $3000, then I don't pay more, but if they only pay $1000, then I have to come up with the other $2000.
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  #6  
August 30th, 2007, 11:06 AM
Super Mommy
Join Date: Nov 2004
Location: Pacific Grove, California
Posts: 1,056
My CPM charges 4,200 for a homebirth in California. Our insurance covers some of that, but we're still working on how much they're really going to reimburse. She had us set up our own payment plan, but expects full payment by 38 weeks.
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  #7  
August 30th, 2007, 12:00 PM
Lash's Avatar Platinum Supermommy
Join Date: Jun 2006
Location: North Texas
Posts: 17,679
North Texas.. here is her emailed quote to me
"For all prenatal, labor, birth, postpartum and newborn exams, and all standard labwork (initial bloodwork, etc), my global fee is $3800. However,if you pay by 36 weeks it is $900 off, for a global fee of $2900. If you pay in full at initial visit, it's $2800. Non-standard labwork, sonograms or $300 call-out fee at the birth is additional, and not included in the global fee. I can file insurance, and verify what coverage you may have for licensed midwifery. I also do payment plans, and accept credit cards if you need"
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  #8  
August 30th, 2007, 06:35 PM
jhmomofmany's Avatar Look! A Dancing Banana!
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In Alabama our midwife charged $2700 and she made arrangements to bill most of it to our insurance. (I still don't know how she pulled that one off!) I think we ended up paying about $1100 out of pocket.

Now we live in upper Michigan, and my midwife charged $800. I can't imagine how that covers her expenses, considering she drives out to see me and it is an hour one way, but that was it.
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  #9  
August 30th, 2007, 07:31 PM
Lash's Avatar Platinum Supermommy
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Location: North Texas
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wow thats amazing Jennifer!
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  #10  
August 30th, 2007, 09:17 PM
ragmama's Avatar Platinum Supermommy
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Location: Southern VA
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We're in Virginia - $2000 for my midwife. Two midwives, actually, as my primary midwife is still working toward her certification and has to work under a senior midwife (who really gets most of that $2000, I'm sure.)

Plus gas for prenatal visits - 1 1/2 hours one way to her house. She'll be making all the trips to me in the last month, for the birth and postpartum...we'll offer to pay her a bit extra for gas if we can, I know that'll be rough.

And, we still have to buy the birth kit and supplies - not sure how much that'll be, but not an overly significant amount.
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  #11  
August 30th, 2007, 09:26 PM
Alison79's Avatar Platinum Supermommy
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Location: Texas
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Her total fee was $3800 and we paid about $1900 and the rest will be covered by insurance. We live in North Texas.
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  #12  
August 30th, 2007, 10:10 PM
Lash's Avatar Platinum Supermommy
Join Date: Jun 2006
Location: North Texas
Posts: 17,679
Well turns out Alison and I are using the same midwife!
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  #13  
September 2nd, 2007, 09:53 PM
MrsPil's Avatar Mega Super Mommy
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Location: Quad Cities
Posts: 1,305
Ours was unassisted so there was no MW to pay and our grand total was around 250 dollars.
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  #14  
September 6th, 2007, 09:53 AM
NaturalFamiLEA's Avatar Member
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Posts: 12
I live in NH and it's $2500 here.
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  #15  
September 8th, 2007, 06:07 PM
home4mygirl's Avatar Mega Super Mommy
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I live in OH, use a "lay midwife" who has attended MANY births, and she asks for $1000, to be paid by the birth. Actually, by the PKU that she does about 3-4 days postpartum, but basically by the time of birth. If her clients absolutely can't afford to pay the $1000 by the birth and she has worked with them previously (so she knows they are honest), she works out a payment plan for them and they can continue to pay after the baby is born, but total is $1000. Plus the cost of the birth kit, and supplies we need to provide, and it ends up being about $1100. Once there is a live birth she can document, she will bill the insurance, we will get sent a check, and basically "reimbursed" for the out of pocket money we paid her.
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