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My insurance updated to cover home birth, but they didn't tell me!

Forum: Home Birth


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September 8th, 2009, 02:14 PM
Mega Super Mommy
Join Date: Apr 2009
Posts: 1,307
The good news? My insurance (UnitedHealthcare) and plan updated Sep 01st and now covers home birth (or, rather, no longer explicitly excludes home birth). Before, they just covered the midwife's prenatal and postnatal care, but not the birth itself. Now, they cover it all.

What's weird though is no one told us. I just happened to be checking my plan online to see if they covered breast pumps or anything like that and I noticed some of the wording had changed. I looked closer, saw the home birth clause was gone, called them to confirm and then phoned my midwife's billing agent to change our payment scheme.

What kind of scares me is that if I hadn't noticed, we could have ended up just paying cash up front.

The moral of the story? Double, triple, quadruple check your insurance policy.
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September 8th, 2009, 03:45 PM
Twinkle's Avatar Platinum Super Mommy
Join Date: Oct 2004
Location: New York
Posts: 57,412
How wonderful that they are covering it now! Definitely wise to keep checking and looking for updates on your policy!

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September 8th, 2009, 06:36 PM
lhug_nar's Avatar Platinum Supermommy
Join Date: Mar 2007
Location: Roberts, Wisconsin
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That's awesome! Our health plan covers 70% of the midwife and home birth! I've made numerous phone calls to our insurance just to be sure that they were going to cover the birth!
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September 8th, 2009, 07:58 PM
WishingStar's Avatar Platinum Supermommy
Join Date: May 2007
Location: TX
Posts: 24,820
That's awesome!!!

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