How are you paying for your homebirth? I have a PPO with Blue Cross/Blue Shield and the coverage has been pretty good for everything I've used it for so far, but it's a little vague about whether or not homebirth is covered. It says:
"Your benefits include:
• home setting covered with nurse midwives"
Mine is a CPM though, not a CNM. Think I'll run into issues there?
Also my midwife is out-of-network (no CPMs are in network as far as I could tell) so if there is coverage at all, I'll only be covered at the out-of-network benefit which looks like I'd have to pay 30%. If that is the case though I'll be thrilled! My homebirth is going to cost me about $4,000 and will be even more if we rent a pool so if we can recoup any money from the inurance it would be a huge help.
I was wondering what your experience has been. If you weren't covered, did your policy specifically say homebirth is not covered?
My midwife suggested I not call because she said there are certain buzzwords I need to use and certain things I should not say at all or it might result in my not having coverage. She has a biller she uses and recommends I wait until after the birth to submit with her assistance. I know what she is saying but I'm so curious to find out if DH & I will get ANY reimbursement.
Edited by 2011mama - 5/30/11 at 8:28pm