Ok, so I'm due in Sept, and am glad that I am starting all this now, as I get the feeling it can take a while.
I called my insurance company and asked them if midwives are covered. They said yes, under and employed by an OB in a hospital setting. We have one group in our area that has an OB who employs midwives. I asked them then to look up midwives that are covered and in-network. They did, and there was one. Strangely enough, this midwife wasn't under an OB, or worked in hospital setting. So I was confused. She then looked up my midwife and said she is covered and registered, but is out-of-network. Really, I'm fine with that. That means we pay 1800 for the birth with out of network coverage, which is about 1/3 of what we would pay if we went the hospital route.
She said she would get back to be before the 14th, and tell me the information on all the senerios. One being a midwife in the hospital, two being the midwife at home, and three being a midwife in a birthing center. I have heard that if the MW doesn't list the "place" of birth, than coverage can be different.
So, I"m kinda stuck, they said I need to "pre-certify", and I'm worried that I am a VBAC, and some see this as "non homebirth worthy". So......has anyone delt with this, what has been your experience? I hear some women get the birth covered 100% after going through multiple calls, etc. I'm surprisingly willing to do that, I just need to know where and who to call and what to say.....HELP!
I called my insurance company and asked them if midwives are covered. They said yes, under and employed by an OB in a hospital setting. We have one group in our area that has an OB who employs midwives. I asked them then to look up midwives that are covered and in-network. They did, and there was one. Strangely enough, this midwife wasn't under an OB, or worked in hospital setting. So I was confused. She then looked up my midwife and said she is covered and registered, but is out-of-network. Really, I'm fine with that. That means we pay 1800 for the birth with out of network coverage, which is about 1/3 of what we would pay if we went the hospital route.
She said she would get back to be before the 14th, and tell me the information on all the senerios. One being a midwife in the hospital, two being the midwife at home, and three being a midwife in a birthing center. I have heard that if the MW doesn't list the "place" of birth, than coverage can be different.
So, I"m kinda stuck, they said I need to "pre-certify", and I'm worried that I am a VBAC, and some see this as "non homebirth worthy". So......has anyone delt with this, what has been your experience? I hear some women get the birth covered 100% after going through multiple calls, etc. I'm surprisingly willing to do that, I just need to know where and who to call and what to say.....HELP!
