New Hampshire Babies

Cigna Ins. and Home Births

Has anyone with Cigna Insurance had a home birth or was planning on it and found out it wasnt covered? I'm currently using the Birth Cottage in Milford, NH and they were trying to find out if my insurance will cover it and Cigna will not confirm yes or no, i guess the charge code is the same for home or in the facility birth but the location code is different If you do it at home and thats where there could be a problem. I'm hoping someone else has gone through this already and has an answer otherwise i either do it at home anyways and hope they pay the bill when it is sent in or i change my plan and have it at the cottage where i know for sure it will be covered but i really dont want to do that and cant afford to play it by ear and then it not be covered. Not as expensive at the hospital but still a lot out of pocket. Any input it appreciated!

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Re: Cigna Ins. and Home Births

  • Hmmm.  We also have Cigna.  I just got off the phone with them with a few questions myself.  I don't see why it wouldn't be covered if the charge code is the same...sometimes you can't help where a baby is born.  But I did read that you (or your spouse) is suppose to call Cigna when you arrive at the hospital to deliver or there may be a problem with coverage.  I think this is totally ridiculous, but like I said I came across it in some paperwork. Since you posted this in June, I'm guessing you've either had your baby already or are very close.  Give us an update.  Did or are you going to have your home birth?  Hope you are doing well.
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