I have a friend in Northern Cal who lives near both Kaiser hospitals but is really wanting some info on homebirth Midwives in there area. I am wondering if all you lovely Mothering Moms can help me out. I do not live in Cali. Thanks!
Northern Cali Moms, can you reccomend your Homebirth Midwife??
Otherwise, I would suggest Sutter Davis Hospital, which allows midwives to deliver and waterbirths.
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That's pretty much the going rate around here. Some will go as low as $4K, but I haven't talked to any that are lower than that. As for her insurance, unless she has an HMO or military coverage, her insurance has to cover it at least in part. It may be that in the end she doesn't get anything (like I have a high deductible, plus the MW is out-of-network, so in the end I might get a couple hundred dollars reimbursed), but they're not allowed to "not cover" it, far as I know (with those two exceptions - the law changed a few years ago to require MW coverage). But even if she gets her insurance to chip in, she has to pay the MW up front and then bill the insurance company and hope for reimbursement.
Most MWs expect to do a payment plan though - I haven't met any that expect payment up front. So unless she's already pretty far along, she can pay them on a payment plan. And she may be able to find one that is willing to stretch the payments even past birth - some do for people who can't afford it otherwise. But she has to be willing to ask.
Would she qualify for Medical? If so, New Earth Midwifery does accept Medical mamas.
If she only has Kasier, it's going to be tough, as they absolutely don't cover home or birth center births. Around $4000 is the going rate in the area, and most of the midwives are pretty consistent about keeping with that rate (and for good reason--it's tough to do enough births to take care of your own family, pay insurance, buy supplies, etc if you do too many reduce rate births). More reduced rate births means you have to do more births total, which means less attention to each family. It's a huge bummer, but the reality until insurance companies get with the picture!
I do agree that most midwives will do a payment plan (and some offer a slightly reduced rate if you can pay up front).
If she isn't able to swing it, Kaiser South and Kasier Roseville have CNM's on staff. They have really limited hours in the hospital last I checked, but she could at least do her prenatal appointments with them.