I thought there was a law in the US that said it had to be covered (at least in part)? Did I dream that?
Anybody else in the same situation? Im with Medica if that matters
Were you with Clare (If so, how did you like her)? She seems to be currently one of the only CNM who does HBs? She's pretty high on my list right now.
I used Janet Schwab, CNM, in 2007 and all I paid OOP was $100. I believe Clare is using the same billing company and picked up on her clever billing practices I think I also had Medica at the time.
Her fee at the time was $3500. Medica claimed they'd reimburse 80% for prenatals (since she was out of network) and 0% of the homebirth. What I think Janet did was bill my insurance company at the "standard" rate one could bill for in a clinic/ hospital (obviously way more than $3500!) and they paid 80% of that (and probably none of the birth) but that still ended up being $3400 paid back to me. Whatever happened, it worked! I would've paid it all OOP, though... it was a great experience.
I also met Clare and really liked her; if there was a 3rd baby for me I'd definately use Trillium!
OOh, I just started a new thread about Medica and HB. Should have looked before I lept. Thanks for all the info, it seems to me that my take away is that Medica has gotten cleaver about not paying for HB. I am willing to pay the whole cost out of pocket and still feel like it may be better than the hospital as they would also charge for the baby and the combined cost I am sure would be over the fee for a HB.
I had my second son at a free standing birthing center in MD. It was better than my first experience at Woodwinds, but the ride to the center when you have been in labor for hours was not pleasant. Much rather be at my house!