So I'm approaching the end of my first trimester, and having given myself til after the New Year and a move to midwife hunt, I'm feeling like it's time. I want to hear the heartbeat and just get that reassurance that we're right on track.
My issue is this:
I have Medicaid which does cover standard midwife care with midwives who do hospital births. Medicaid will cover nothing for homebirth here in my state. Supposedly DPs insurance will cover me sometime soon? We have no idea what it will cover in the way of maternity care or when it will "kick in" but we're hoping that it will cover visits with a homebirth midwife.
HB MWs are a rare breed around my area; I think there are two in town, both of whom are very Christian (which is fine, but we're not, not married, and I may feel inhibited, I am not modest, and I am pagan). There are a couple more hb mws within two hour's drive. In the best situation, we want a UC, but would like the reassurance of having a backup hb midwife. That would be really nice just to know we have an option besides going to the hospital if we feel like we want a professional assistant.
So for now, as far as we know, if we do find an hb midwife, we will be paying everything out of pocket, whereas we could be getting prenatals at the "regular" midwife office with a minimal Medicaid copay.
Would you see the medicaid/hospital midwife in the interim, hoping a hb midwife will be available later in the pregnancy and that the insurance will go through? Or would you try to get the hb midwife from the beginning, paying the minimum out of pocket til we can figure out the ins? Because the longer we wait, the less likely it might be to get an hb mw here.
If we pay all that $ out of pocket and then do a UC, I'm going to feel really ripped off. I don't think that a lot of the prenatal care is necessary and really just want someone "on call" at the very end.
I'm just concerned that if I start with the reg mw, then I'll be more likely to be pushed into unnecessary tests, lying about our intention to hospital birth or have no backup except hospital transfer in the final moments.
Sigh. Any feedback?
My issue is this:
I have Medicaid which does cover standard midwife care with midwives who do hospital births. Medicaid will cover nothing for homebirth here in my state. Supposedly DPs insurance will cover me sometime soon? We have no idea what it will cover in the way of maternity care or when it will "kick in" but we're hoping that it will cover visits with a homebirth midwife.
HB MWs are a rare breed around my area; I think there are two in town, both of whom are very Christian (which is fine, but we're not, not married, and I may feel inhibited, I am not modest, and I am pagan). There are a couple more hb mws within two hour's drive. In the best situation, we want a UC, but would like the reassurance of having a backup hb midwife. That would be really nice just to know we have an option besides going to the hospital if we feel like we want a professional assistant.
So for now, as far as we know, if we do find an hb midwife, we will be paying everything out of pocket, whereas we could be getting prenatals at the "regular" midwife office with a minimal Medicaid copay.
Would you see the medicaid/hospital midwife in the interim, hoping a hb midwife will be available later in the pregnancy and that the insurance will go through? Or would you try to get the hb midwife from the beginning, paying the minimum out of pocket til we can figure out the ins? Because the longer we wait, the less likely it might be to get an hb mw here.
If we pay all that $ out of pocket and then do a UC, I'm going to feel really ripped off. I don't think that a lot of the prenatal care is necessary and really just want someone "on call" at the very end.
I'm just concerned that if I start with the reg mw, then I'll be more likely to be pushed into unnecessary tests, lying about our intention to hospital birth or have no backup except hospital transfer in the final moments.
Sigh. Any feedback?
