DH and I are meeting with HB midwife (CPM) next week for a consult. We have blue cross blue shield PPO insurance in Mass. The midwife said she'd had some luck with BCBS reimbursing for a HB after the birth by the way it was coded and billed, but I forget the details now. This makes us a little nervous if they don't end up covering it, because that is a lot of money to pay out of pocket. ($3500). I'm also leery about calling the insurance company and explicitly stating now that we're planning on a HB, because they are technically excluded from the policy.
Anyone here successfully navigated the insurance thing for a homebirth? I'd love to hear some encouraging words, even though I know each insurance company and each state is a little different.
Also, any Boston-area HB mammas want to share their insurance experience?