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Any successfully get their insurance to pay for a homebirth in AR? And other insurance ?s

post #1 of 5
Thread Starter 
Hey ladies,

I'm looking to purchase health insurance for my husband and I, since it is required before I start clinicals this fall. So far it is like reading another language between coinsurance, deductibles, and maternity riders.

I was just wondering if any of you ladies have successfully had your insurance pay for a homebirth in Arkansas and what kind of insurance (who is it through) you have? Some of the policies I looked at didn't have any maternity coverage at all unless I purchase it separately when I buy the rest of the policy. But many of them also have like 12 month waiting periods before they're available for use which hopefully would be useless to me. Any one with any infertility experience would help out too. We've been ttc since May 2007 and if we have insurance, I will most definitely want some basic diagnostic tests done on both DH and I. But once again, this is something I have found covered by any health insurance companies in the state.

Basically, any advice you ladies have would be very welcome!!!
post #2 of 5
I just got added to my husband's Blue Cross Blue Shield policy, and it says that they cover nurse midwives, and do not cover lay midwives. So if you could get a CNM at home you'd be good. I'm also going to be checking to see if they cover midwives who are certified in other ways. The wording was vague. I've heard that you can talk to insurers and show the cost difference, and show the midwife's certification and they will cover on a case by case basis.

Good luck on finding insurance, and makin' a baby!
post #3 of 5
Can a CNM do home deliveries here in AR? If they can, then that would be great news on the insurance front! I would love to hear from someone who had a CNM do a home delivery in AR! I too, am on my dh's BCBS and they do have CNM coverage but not lay mw coverage. The 2 CNM's that were listed in my area only attended hospital births though... I may have to go see if I can find legal info regarding CNM's attending homebirths... I am due in Oct. and actually just switched over to a lay midwife for a homebirth because I just couldn't handle the hospitals here. I actually liked my Dr., but the hospitals, . If it's any consolation, our deductible (which is high-ish $2000) was the same as the midwife's fee. So, if you generally are healthy and not contributing much toward your deductible, the out of pocket for a homebirth could end up being comparable to a hospital birth (CNM or OB). Does that make sense? HTH!
post #4 of 5
I have United Healthcare that includes midwifery coverage. It took some effort, but I did get reimbursed at the out of pocket rate for my homebirth mw (a CPM).
post #5 of 5

I have Health Advantage (a branch of Blue Cross Blue Shield) and although they do cover CNMs, you likely won't find any here who do homebirths. Even then, there are rules behind that. And they do NOT cover any other type of midwife. Bites. disappointed.gif

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