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sarah1up April 28th, 2011 07:00 AM

Sad and Frustrated
A little background for my family: We lived in Missouri and my husband was unemployed for a while so we ended up on Medicaid for this pregnancy. (So I was seeing a regular doctor in a clinical setting.) He got a really good job that we moved to South Carolina for and we are now on insurance. At first it was great, but after getting here I found out that (understandably) midwives require payment up front and that the insurance we have claims to pay for a midwife assisted delivery, they actually eat up all the money you would get back by having extra fees and counting all midwives as out of network. I'm at 34 weeks now and running out of time. There's no way for us to come up with the $3000 to $5000 the midwives charge. I am looking into a birth center and our other option of just having an unassisted birth at home. I don't mind having a UC, it's just not fair that it has to be so darn difficult to have a baby around here. Sorry for the vent, I'm sure this is something everyone else goes through so thanks for listening.

Martha83 April 28th, 2011 11:22 AM

Re: Sad and Frustrated
Aw...HUGS! I hear ya....we have insurance but they are VERY anti-homebirth...but they do support midwife care....go figure...lol...anyway...so we have paid what we KNOW we will be responsible for (deductible) and the rest will be paid monthly and hopefully 80% by insurance....we'll see....argh...fortunately they are willing to work with us....even if they say they are wanting it all up front have you talked in person to see if they'll work with you if you pay a % now ??? Is that something that is possible....HUGS!!!!

SillyKitty April 28th, 2011 09:11 PM

Re: Sad and Frustrated
Can you get the midwives to itemize so that the fee is less since you transferred into their care so late in pregnancy?

Our midwifery group is also considered out of network with my insurance. BCBS is anti-home birth, so they won't consider any home birth midwives in network (at least here). I have to pay a higher out of network deductible and 40%. My midwives told me that when they used to submit the claim as a "global" claim for the whole pregnancy and delivery, they would get a statement back from BCBS that they would only cover about $2000 (and then the mom would get still get stuck with 40% of that plus the difference between the $2000 and what the group actually charged), but once they started submitting the claims with each visit, test, delivery, post-partum care, etc. itemized separately, BCBS started paying for more. For me, BCBS agreed that the midwives would get paid $4500 (what the midwives actual fee is for me), and I have to pay 40% of that plus my deductible.

sarah1up April 29th, 2011 05:39 AM

Re: Sad and Frustrated
Thanks for the help. I talked to one midwife, but she said that she can't afford to cover her bills "waiting for everyone who owes her money to pay". Which I understand, I guess. I found a birthing center run by midwives I am going to talk to on Tuesday. It's not a home birth, but it's a really nice relaxed setting (with whirlpool tubs so I can't complain). At least they are better about billing to the insurance and allow us to make payments on whats left. They are going to figure it up for us then and let us know what it's going to be.

Martha83 April 29th, 2011 08:46 AM

Re: Sad and Frustrated
good luck!!! I had my last in a Birthing Center....and it was next best thing to home....Home wasn't an option at that point so I was happy to have the BC. It's closed now or dh wouldn't have agreed to homebirth! LOL...

Britt3 May 10th, 2011 03:43 PM

Re: Sad and Frustrated
My insurance didn't cover my homebirth either; and it's A-legal where I live (so very rare to have any insurance cover it). I was able to make a few payments to my midwife during my pregnancy, and that worked out great. My fiance at the time, and I, did everything we could to get the extra money. I would have gotten a loan if I needed to. lol. We only had one local birthing center, and their statistics/odds weren't all that great.

Anyways, if you find a birthing center you like, I say go for it. Have you checked into midwives in other areas that could come to you? That may involve transportation fees, but there may be midwives out there who would be willing to accept payments (even after the baby is born).

Good luck on your decision! :)

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