So, we live in VA but our insurance is through Massachusetts. The policy states home births are not covered unless basically it's an accident... I'm beginning the process of pre-approval/appealing. Anyone have experience with this particular insurance? I've read success stories on home births getting approved even when specifically banned like this. My biggest thing is that my deductible is $1500. So I'm only asking them to cover $1400. My delivery with DD was over $20000 & that did not include my prenatal & weekly NSTs.
Re: BCBS of Massachusetts
ETA I would imagine that although it will only cost $1400 more if everything goes well, they have to take into consideration the fact that CDC stats say homebirths don't have as many good outcomes, and what it could cost them in the long run if something went wrong. Just a thought.