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Insurance, and the midwife decision

Forum: Home Birth


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October 6th, 2009, 10:28 AM
Effervescence's Avatar Platinum Supermommy
Join Date: Sep 2008
Posts: 6,791
So, after meeting with all three possible midwives, DH and I decided to go with the one who was closer and had the nice birthing center. We met with her a second time, this time in a group of people, and I actually felt more comfortable with her. We decided that I would have a couple appointments with her, and see how it goes.

So now I need to figure out insurance. I guess I wasn't expecting to have to do all of the paperwork myself (I am really bad at paperwork) She said that our particular insurance company doesn't like to pay for out of hospital births, and they can be difficult to talk to, but if we pester them enough they will pay. You'd think that they would happily pay, since a homebirth is like $10,000 less than a hospital birth!

Is anyone else going through the runaround with their insurance company? If you've btdt, how did you handle it, and did you eventually get your insurance to pay or did you have to pay out of pocket?

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October 6th, 2009, 11:51 AM
inyourhonor's Avatar Platinum Supermommy
Join Date: Apr 2008
Location: Metro Detroit
Posts: 16,734
Good luck with everything. We had to pay out of pocket for Dane's birth so I am no help with the insurance stuff.
Marisa (29) married to J (35), mama to G (10), D (7), B (5) and K (1).
Little Miss joined our family Dec 4th, 2015 at 35 weeks.
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October 6th, 2009, 01:04 PM
DoulaMama's Avatar Platinum Supermommy
Join Date: Jan 2008
Location: Florida
Posts: 9,159
My midwife bills, and my insurance will pay.

but you should look into getting gap coverage, I know people who've had success with that.
Cheryl, mama to Noah Paul born 12/26/09, wife to wonderful hubby Rob
I am proudly a homebirthing, excluively breastfeeding from the tap, constantly babywearing, bed sharing, attached mama to a high needs baby. He is a part time diaper-free baby!

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October 6th, 2009, 01:11 PM
Twinkle's Avatar Platinum Super Mommy
Join Date: Oct 2004
Location: New York
Posts: 57,412
I'm glad you've made a decision. As for the insurance stuff, my midwives handled all our paperwork, but they did have to fight with them about paying. Eventually they did pay the majority of it, and we were only responsible for a small portion. Good luck!

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October 6th, 2009, 05:01 PM
lhug_nar's Avatar Platinum Supermommy
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Location: Roberts, Wisconsin
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What insurance do you have?? Our insurance just changed their payout to cover home births right before I got preggers but it's listed under home assistance instead of what births are normally listed under... I would call your insurance and clarify first before anything.
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October 6th, 2009, 08:06 PM
Effervescence's Avatar Platinum Supermommy
Join Date: Sep 2008
Posts: 6,791
Thank you all for the tips. I'll call to clarify some things, for sure. We have Promedica/paramount, which I think is a regional thing. The midwife said that she has gotten paid by them, but it took a lot of convincing. Apparantly they say that there is another birthing center close by that is in their "circuit" but when asked where it is, they refuse to give that information. I just don't want to have a battle, and I'm kind of anxious about this.

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October 8th, 2009, 12:16 PM
WishingStar's Avatar Platinum Supermommy
Join Date: May 2007
Location: TX
Posts: 24,820
My insurance right now will cover it out of network, so after I make the deductible, they will cover 80% of it. However, that's only if the baby is born before January. Then the insurance is switching and the new stuff isn't very good. The deductible is ridiculous! So, I'll be 38 weeks at the end of December and doing a lot of natural things to try and deliver. If not, oh well. We'll just cover it ourselves.

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