It has been 8 months since my beautiful homebirth and I am still battling my insurance to pay me back for my homebirth. I am in Los Angeles where the R&C charge for a homebirth is around $4000. I was told when I called the insurance during my pregnancy that they cover 80% of R&C charges after your deductible as long as you see a CNM. The first 3 times my claim was submitted they rejected/denied it with no explanation until I called and then they said it was various missing codes/other BS that resulted in that determination.
Finally the claim showed up as processing and just the other day it showed they were sending me a payment. When I looked at the details it came out to around 16% of the total cost of my care. Their determination of R&C charges was $2,240. I know that isn't right because I interviewed all the midwives in my area and know what they charge. My question is what do I do now? We used money saved for property taxes to pay up front for the birth and now we have gone into debt without getting any of that money back. But more than the money issue, it is the principal of the situation and how they are discriminating against home birth even though it saves them a ton of money.