post #21 of 21
Mariposa, that really sucks! I've had issues with my insurance company as well, but they mostly centered around reps essentially not knowing what the heck they were talking about. My insurance, Tricare, also will not cover CPMs, and unfortunately it's perfectly within their legal (not necessarily moral) right to do that. It would have been nice if they would have told you about it months ago, and in that regard it sounds like we've both had to deal with undereducated customer service reps. I hope you are able to work something out!

Originally Posted by quiverfull View Post
Because ins companies are in the business of making money..... they try to find every way not to pay a claim that is dubious (meaning there is not a stated contract that can be legally upheld). Keep pushing, even though you may get weary and frustrated. That's what they are betting on... that the journey and fight will be too much and you'll give up. Don't! :-)
When it comes to homebirth, this is actually not why they aren't covered. Home birth costs much less than hospital birth, since the only thing the insurance company has to pay is the global maternity fee, which is the same whether you use an OB or a midwife. In a hospital birth they have to pay that global maternity fee (includes all prenatal appts and delivery of baby) and the fees for the hospital. It ends up costing them a lot more.

The reason insurance companies don't cover homebirths is that the people who advise the insurance companies are usually doctors. Doctors are almost all anti-homebirth. That's why they're not covered, not because the insurance companies are trying to save money. If they were trying to save money, homebirths would be covered for low risk women and it would be harder for them to get a hospital birth.