I'm currently 23 weeks pregnant and after reading lots about home births and the birthing experience, I finally decided I wanted to go pursue my dream of having a home birth. With my 1st child I wanted to deliver at a birthing center, but there were no birth centers covered by my insurance and I wasn't as well read on the benefits of the birthing space. My 1st ended up at CWC practice and was able to deliver without pain medication, but ended up having to be hooked up to an IV the whole time, I was hungry, and I had to get pitocin because my waters were broken for more than 12 hrs and w/ a hospital birth they only allow 24 hrs of water being broken before they feel the need to give a c-section, which i'm totally against unless absolutely medically necessary. Anyway, I really don't want to have to deal with the bureaucracy of the hospital, plus I already have a 2 year old at home and I think leaving him to go to the hospital will hinder my birthing more than help (if that makes sense), and I would just like to have the most natural birth possible. All the birth centers in my area are at least 35minutes away without traffic, and I don't feel like I should have to worry about getting to a birth center while having a baby.
I have UnitedHealthCare PPO and they will only cover for a CNM. There is only 1 CNM in network (as far as my searching on their website proves) that does home births, Evelyn. Unfortunately, Evelyn is fully booked with patients at the moment. The other CNM's in my area are Joey Pascarella and Erin and Mairi of M.A.M.A.S. I have spoken with Joey and she seems really nice. I haven't contacted MAMAS yet, about their availability but will do so tomorrow. Anyway, both Joey and the CNM's of MAMAS are out of network for me. I was wondering if anyone has tried to get United to pay at an in network rate in this area with an out of network provider? I know people have gotten in network coverage with out of network providers with United from reading the home birth boards, but since our area has so many CNM's I wanted to see if there was anyone in this area who can give me advice. Also, if you have United PPO and didn't get the in network coverage, how much did you end up paying TOTAL out of pocket with out of network coverage (especially if you used either Joey or Erin)? I believe they say they cover at 70% after the deductible and my deductible is $400.
Also anyone currently getting care from Joey or Erin/Mairi? I've seen only positive things about both groups, but wanted to see if anyone was currently working with them to see how they felt.
Thanks so much!!! Sorry about all the info!