Home birth payment - getting insurance to pay?

RockyMtnMama · April 2012

Those that had/are having a home birth. How hard was it to have your insurance reimburse or pay for your home birth? What were the steps you had to take to start the process?

TIA.

pinksweetpea2 · April 2012

Mine didn't cover either of my HBs. HMOs almost never cover them in my state.

kegallagh · April 2012

I have to pay up front, and then my MW's insurance person will submit a global claim after the birth (I don't need to do anything, she's got it covered). She said it generally takes about 4-6 weeks to get the reimbursement, and I'll probably get reimbursed for about 60% of the cost.

mstroud23 · April 2012

I have to submit my insurance info to their billing person and then pay at least half before the birth day. After the birth they submit a global claim and I get reimbursed for whatever is covered that I already paid. If my insurance doesn't cover anything (I don't know yet) then I will be billed the remaining amount at that time. My insurance just changed so I am waiting for new insurance info before submitting my insurance to the billing dept.

Tash13 · April 2012

Mine is covered as out of network, too. I'm only responsible for my out of network deductible. I'm also trying to get it covered as an in-network exception but the billing person at my MW's office seems to think this will be a problem. I'm in the early stages of the process right now but I'll keep you posted as we move forward.

RockyMtnMama · April 2012

Thanks, I'd love to get something paid and we have a plan the lets me pick any provider, so I'm crossing my fingers that something might work.

Dandalf03 · April 2012

My midwife is an in-network provider for my insurance company, which does cover home births. I will pay the same as I would in the hospital, but the overall cost will be much lower. I have a $1000 deductible, then I pay 40% of the remaining cost. All in all, I will pay about $1800 for the home birth. At the hospital, my max-out of pocket would have been $6000, which I'm guessing I would have met. BTW I have Blue Cross Blue Shield and live in Nevada.

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Home birth payment - getting insurance to pay?

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