Home birth - Insurance?

GoodWolf · April 2013

This probably gets discussed on this board a lot, but after sifting through a few pages I haven't been able to dig up an answer for myself.

A little background on me: DH and I are planning to TTC #1 starting this fall, and would like to have a home water birth.

The issue: neither my, nor DH's insurance cover any local midwife care/birth center births. Mine doesn't cover any. DHs only covers Certified Nurse Midwives. There are two birth centers in the area, but there are only certified professional midwives, not CNMs at these particular birth centers. In fact, I think there's only 1 or 2 CNMs in Oregon (or so I've heard).

So, my question - has anyone had any luck getting their birth center/midwife prenatal care/home birth covered by insurance? Or should I plan on footing the bill? Any advice?

TIA!

LaurelBee · April 2013

I found my home birth CNM by calling and speaking with other CNMs. Maybe someone can suggest someone for you??

elissa a · April 2013

Our insurance is a Christian health share type of plan so technically not insurance... (www.chministries.org) It will cover home births/free standing birth centers BUT we didn't think we'd be getting pg so we were on the lowest plan possible... which o

GoodWolf · April 2013

Thank you, ladies! I'll keep hunting around

CDMay2006 · April 2013

My insurance covers MWs w/several certifications (i can't recall them all), birth centers and home births.

A quick click around here h

GoodWolf · April 2013

BreanneL24:
We are footing the bill for our home birth and we did last time as well. Our insurance won't cover it as in network but

Maya+More · April 2013

I know you want a home water birth, but if that's not an option financially I just wanted to mention that I had a really great natural birth experience with CNMs in a hospital setting. Everyone was very supportive, and I think people need to realize that

GoodWolf · April 2013

Maya+More:
I know you want a home water birth, but if that's not an option financially I just wanted to mention that I had a r

Maya+More · April 2013

GoodWolf:
Thank you for sharing your experience! It really is a good idea for me to start feeling out all of my options, and I re

StefandTodd · April 2013

How awesome that they'll cover a CNM. I had a CNM for my home birth and still had to foot the entire bill =/ The one and only negative of the entire experience (which was still totally worth what we paid).

MamaInMN · April 2013

We saved for our midwife's fee so we could pay for it ourselves without any debt in case our insurance did not cover it ($3500).

She billed insurance for us and they have covered the first few prenatal visits as out of network, even though the pl

LittleBlackBug · April 2013

I applied for an in network gap exception through UHC and it was approved.

vcabbyw · April 2013

Hello from another Oregonian! I'm not too sure how accurate that there are only 1-2 CNMs in Oregon??? We are using a CNM through a freestanding birth center in Portland. Our insurance (ODS) will only cover CNMs but with out of network coverage. So we a

vcabbyw · April 2013

Also, the quote at our birth center for cash discount was roughly $3700. Home birth was less since there was no facility fee.

emilykathleen511 · April 2013

Our insurance supposedly doesn't cover home births; however, my midwives use a billing company who knows how to deal with insurance to get a good payout. We ended up getting almost everything back!

starshineamator · April 2013

It all depends on your insurance, and where you live, I believe, but because our insurance doesn't have any in-network providers available within 30 or 100 miles that do home births, that was all the justification needed for us to be pre-approved for o

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Home birth - Insurance?

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