Originally Posted by olstep
So the only option for the women like OP is to pay full fee out of pocket instead of letting insurance pay for not so personalized but still professional OB care?
Well, midwives typically aren't like hospitalist OBs who only provide delivery services. In fact, the vast majority of providers and insurances work on a global fee--all care (regardless of whether or not it's used) is billed under one heading/number. I live in a state where midwifery is legal and insurance pays for it, and most companies do so with that global fee. The midwives in this state are highly qualified healthcare professionals who offer a different but no less professional service to their clients. So, yes, standard of care around here is global fee billing--if you have 2 or 20 prenatals, you pay the same rate. Fair or not, it's standard.
|What if I do not want to become intimate with my care provider? What if it is just a business for me? I do not pay for friendship not intimate relations. Am destined to go to hospital ?
You will become intimate with your care provider, whether or not you wish to. It's the nature of birth. You will share with this individual (or individuals) a very intimate experience. This doesn't mean that you must enjoy it or wish for it; it's just the nature of pregnancy, labor and birth. You can be as closed off emotionally as you wish, and I bet your care provider will still have emotions surrounding your experience, as it intersects with her own. Yes, you are not paying for intimacy or friendship, and I'm sure you can make that abundantly clear with your midwife. But, it doesn't change the nature of midwifery--personalized, professional care, for which you may pay a premium.
A good example of the converse: I never used the baby warmer at the hospital. I never used the IV pole. I never used the NICU, the surgical suite, or any classes or lactation consultant. The services are offered and available and impact the amount of money that one pays for the care--even though I never used them once.
|Home birth: is it a luxury or a need? Should it be available for women without putting their families into debt or drugging them pregnant selves for two hours to see the only available midwife?
Personally, I believe that midwifery is a need. I believe that ALL women deserve a midwife, even if they choose a cesarean, they deserve to have prenatal care offered to them in a personal and caring manner. And yes, midwives should have offices on every street corner, and accept state health insurances like medicaid. In Florida, midwives can accept medicaid and insurances. The rules and laws need to change so that every woman has access to safe, professional midwifery care as a primary maternity provider.
Some places, however, do not offer women this option. Midwifery care is a premium service in most of the country and if this is true, then midwives should be paid for that service, even if you don't use individual aspects of the care.
The long and short of it is: access to midwives needs to be expanded and covered under insurances. Until that happens, women must weigh the benefit of a midwife against the cost of a midwife.