Did you insurance cover homebirth?

[Rockies5]

if you please list the insurance (HMO, PPO HSP), midwife (DEM, CNM., CPM) etc. and any special steps you went to secure payment through your insurance plan

Thanks! I think in the long run this will help many women!

[LiLStar]

anthem bcbs (national plan) ppo in oregon with a CPM. My mw called in the beginning of my pregnancy and was told they would only cover cnms. Regardless of insurance, my mw required a payment plan through pregnancy and involved paying the fee by 32 weeks for a discount, or 36 weeks for full price. So I did that. Then my midwives bill insurance and we all hope for the best! I ended up getting refunded EVERYTHING I paid plus having to go run another $200 to my midwives a couple months later because insurance refunded us more than we even paid the MWs to begin with.

[Noelle C.]

United EPO. Same as a PPO, but no out-of-network coverage, UNLESS there is no one in network within 20 miles who offers a covered service. In that case, they extend a gap extension and will cover ANYONE you pick to provide that service.

[gabeyho]

Aetna out-of-network with and RNM. We paid her our deductible and then she submitted everything all at once after the birth. She got a check in, like, two weeks. Later we found out she may have received payment in error when we called to ask about other coverage, but I think the person i was talking to was upset! And RNM's are way harder to come by and more 'certified' as far as insurance is concerned. This was in Northern California.

[AnnaNova]

we also had blue cross blue shield at the time. ppo. we ended up not having a home brith for a variety of reasons, but they would have covered it with a cnm 80%/20% like everything else on the plan.

[Right of Passage]

aenta ppo, out of network reimbursment, more than 50% (what were quoted to receive out of network).

[Belle]

United Health Care PPO. We were quoted that they would pay 60% for our homebirth with CPMs. They actually paid more than 90% because our midwives also billed for some home visits and newborn exams. We had to pay the midwives out of pocket and then they billed ins. and reimbursed us after the birth.

[mysticmomma]

BCBS PPO for a CPM. I did nothing special.

[Baby_Cakes]

Horizon BCBS out of network covered 70% of our homebirth w/a CNM (they ended up paying about $4000 of a $6000 fee). We are in NJ, if that makes a difference.

[sajuse]

Anyone have cigna reimburse anything or medicaid pay? At the moment these are my only 2 options. My 3rd choice is UC because I would really rather not birth in the hospital unless I absolutely have to. My last birth I was able to procure a discount from a midwife because I am very low maintence ( we only had 3 prenatal visits, she showed 20 min before birth, stayed about 30-1hr after, 1 post baby visit) We have even less $ now

[tourist.]

I have Aetna HMO and my midwife is a CPM.

I'm not sure how she submitted it, but on the paper work from Aetna they have her listed as CNM. Out of pocket, I paid one copay for all of my prenatal care. Not what I was expecting to pay but hey, I'm not going to argue!

[dogmom327]

Not directly. They covered the ultrasound we ended up having and bloodwork, etc. I ran my MW costs through my FSA.

[VT mountaingirl]

We have medicaid (Vermont) and this will be our third homebirth. Medicaid has covered most of the costs each time. Our out of pocket expenses were $450 with #1, $850 with #2, and this time around we were lucky enough to find a midwife who will only charge us $350...most are charging around $1400 out of pocket. I have heard that Vermont has cut what they are willing to pay midwives for homebirth...so that explains the jump in cost.

[athenalove46]

I have Tricare Standard (South region) and they covered $1400 of her global charges. They told me that if we require any other work (stitches, meds, IV's, etc) the insurance would cover it.

[cheeqz]

BlueCross BlueShield - PPO.

They were supposed to cover 80% out of network...Suprisingly, they ended up covering 100%!

Some birth centers are IN network, which means 100% coverage. We would have been happy either way, but were definitely thrilled to be covered in full.