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Forum: Home Birth

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  #1  
December 21st, 2007, 01:41 PM
~Nik*Re~'s Avatar Mega Super Mommy
Join Date: Dec 2007
Location: Tennessee
Posts: 4,954
Let me start by introducing myself. My name is Nikki, I'm 25 and due with baby #4 in August of '08. I had one baby naturally, and 2 C/S, not for good medical reasons, but that's a different topic. Needless to say, I am planning a VBA2C with this baby, and I would love to do a water birth at home.

For those of you who did have a home birth, did your insurance pay for it????

How much does it cost???
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  #2  
December 21st, 2007, 06:52 PM
Mommy2Amara&Kayori's Avatar Platinum Supermommy
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Location: Missoula, Mt
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I have Medicaid and they are covering it for me. Alls I have to pay for is my birth kit and my MW's gas to and from my house from 37 weeks on.
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  #3  
December 21st, 2007, 08:34 PM
shadowdweller's Avatar Mega Super Mommy
Join Date: Oct 2007
Location: salt lake, utah
Posts: 2,269
my insurance says they do not cover homebirth, but are known to reimburse part of the cost if you submit a claim after the birth. we'll try it. before said reimbursement, i'll pay just under $2000.
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  #4  
December 21st, 2007, 08:44 PM
ShawnaCAN's Avatar Platinum Supermommy
Join Date: Aug 2006
Location: Alberta, Canada
Posts: 11,397
No coverage here (in Alberta, Canada). We pay about $2200 for our homebirths, plus MW's gas.
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  #5  
December 21st, 2007, 08:49 PM
4boys
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I feel lucky. Here in Manitoba, Canada it's totally covered. I don't pay a thing.
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  #6  
December 21st, 2007, 10:28 PM
ShawnaCAN's Avatar Platinum Supermommy
Join Date: Aug 2006
Location: Alberta, Canada
Posts: 11,397
Quote:
I feel lucky. Here in Manitoba, Canada it's totally covered. I don't pay a thing.[/b]

Isn't that dumb how some provinces cover midwifery care completely, and other don't at all?
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  #7  
December 21st, 2007, 10:49 PM
*Jackie*
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I'm still undecided on a HB or not, but no matter what my MW charges 2,500---no gas or anything (I didn't know MW's asked for gas LOL! Suzanne never asked for me to pay her gas all the trips she made to my home for all my apts.)

Oh, and I have insurance but they do not cover pregnancy/labor or maternity leave. If I were to get pregnant (or be pregnant now... I haven't tested yet) we would have a HB because there is no way we could afford my MW's care + the hospital care.
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  #8  
December 22nd, 2007, 01:02 AM
MrsPil's Avatar Mega Super Mommy
Join Date: Sep 2006
Location: Quad Cities
Posts: 1,305
If I had used a MW it would have ost me roughly 3k, my insurance didn't have a preferred provider who did homebirth so we would have filed for reimbursement. I didn't ever bother to figure out how much we would have been reimbursed since we planned a UC.
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  #9  
December 22nd, 2007, 09:08 AM
Twinkle's Avatar Platinum Super Mommy
Join Date: Oct 2004
Location: New York
Posts: 57,412
My homebirth is 5,000, and I am responsible for 2,000 of it paid upfront. After my birth, my midwives will submit a claim to my health insurance company, and we are expecting they will cover about 70%.
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  #10  
December 22nd, 2007, 09:39 AM
Butter's Avatar Heather the Mama Duk
Join Date: Oct 2005
Location: San Antonio TX
Posts: 28,853
We'll be responsible for about $1000 of the $2500 total. There's a possibility the insurance company will pay more but I'm not counting on it. My midwife said most of her moms with insurance end up paying around $1000.
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  #11  
December 22nd, 2007, 10:38 AM
4boys
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Quote:
Quote:
I feel lucky. Here in Manitoba, Canada it's totally covered. I don't pay a thing.[/b]

Isn't that dumb how some provinces cover midwifery care completely, and other don't at all?
[/b]
It is stupid. I would have thought all of Canada would have the same coverage. I guess not.
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  #12  
December 22nd, 2007, 12:11 PM
Lash's Avatar Platinum Supermommy
Join Date: Jun 2006
Location: North Texas
Posts: 17,683
We dont know if they'll cover the homebirth but we do know they cover midwife care (we are switching to a new one at work in January that has no waiting periods)
I know total its $3700 for the 9 months of care in home, the homebirth, and after birth care (6 week checkup). She's also has lactation training
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  #14  
December 22nd, 2007, 08:40 PM
~Nik*Re~'s Avatar Mega Super Mommy
Join Date: Dec 2007
Location: Tennessee
Posts: 4,954
I called my insurane company and they said they do cover homebirths. I didn't get into much detail about it b/c I'm only 4 weeks and I haven't even talked to my DH about it. At any rate, it's extremely hard to even find a MW in my area. Unless they work in Dr. offices they aren't allowed a license in my state. All the ones I have called that do work in offices do no do home births. If this makes any sense to you all, I don't think I can get my insurance to cover a MW that doesn't have a license. I found one MW and I've tried contacting her by email, and phone, she hasn't responded so???? IDK. I would LOVE to have a home birth but this feels like an uphill battle already
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  #15  
December 22nd, 2007, 10:34 PM
LaLa's Avatar Platinum Supermommy
Join Date: Jun 2005
Posts: 11,576
I went with a lay midwife (unlicensed) so of course it wasnt covered by insurance. We payed about $1700 though - its generally less expensive b/c without the licensure they dont have as much overhead. We felt comfortable with our decision b/c we knew her experience was as good as any other. In the event of a transport her assistant & my doula would transport with me.

Lala...
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  #16  
December 26th, 2007, 10:07 PM
ragmama's Avatar Platinum Supermommy
Join Date: Aug 2007
Location: Southern VA
Posts: 40,025
Ditto Lala - we paid $2000 out of pocket and drove to her for about half of my appointments, but it was still WELL worth it to me!
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