I am newly pregnant and looking for a health provider. Even before I became pregnant, my DH and I knew we wanted a midwife in a birth center. Immediately after my BFP, I called my midwife to see if she accepts my insurance - she does not :-(. So I called my insurance to find out exactly what they covered and which providers were in my network.
The nice lady explained that for routine visits everything is covered at 100%. But for non-routine services, I would have to meet my deductible of $2000 first--before insurance would pay anything. After that I would pay 20% of costs.
I explained to her that my DH and I were really looking forward to having a midwife in a birth center and that we would like it covered. She told me that I CAN use a midwife in my network, but that birth center deliveries are considered liabilities...and not covered at all. She recommended that my best bet is to choose a midwife or obgyn and deliver in a hospital (where I would have to meet my deductible first). Hospitals in Houston do not allow you to have a waterbirth, nor bring your own tub I really, really wanted a waterbirth.
I would even settle for a obgyn who is into holistic, natural care who would understand me and my beliefs.
My heart is broken. I KNOW there has to be a better way. Has this happened to anyone? What did you do to make your pregnancy and birth a memorable, natural experience? Any provider recommendations or ways to get around this with insurance?
BTW I am in Houston....any recommendations
peace & blessings