Our original midwife (SW) was GREAT! She charged $4500 for EVERYTHING (birth pool pregnancy checkups, birth, placenta encapsulation, etc). Then, when my partner and I were seriously discussing it, he didn't want to listen to me AT ALL about the homebirth, he just wanted a hospital. So, I called up SW to cancel and found an OB. A couple weeks later, I decided that he had NO voice in this topic: it's my body and he isn't the one pushing it out. The only problem is that midwife SW got booked up. So, I found another midwife. She charges $5350 and I'm not 100% sure what's included since we haven't met with her yet.
My partner is freaked out because one of our neighbors (who is currently 6 months pregnant) flipped his crap when they found out we were doing a homebirth and started spewing all of these "facts" on homebirth. Now, if my research is correct, more women/babies die in hospital births than homebirths.
I think I've finally got my partner on the same boat and then we find out that becuase the midwife is "out of network" my insurance REFUSES to pay a single penny to any midwife. The only in network midwife is almost 2 hours away ONE WAY! And she's cautious about accepting UHC because half the time they STILL refuse to pay her! Can I fight this?
We had the same problem with the first midwife (out of network), but her billing company (Larsen) has a $15 fee to "hack" into insurances to find loop holes. We did this and they lost our form, so we're waiting on a refund...if they can find our payment. And then we MIGHT use them again on midwife #2.
Anyone else have this problem with this insurance?? What do I need to do? Should I just use the long-distance midwife (Seems REALLY unsafe)?
Oh and my out of network deductible if $6K. My current OB (who has made it VERY clear he will induce me at 40 weeks whether or not I have any problems, he's also made it clear I have no choice: either I do it or he drops me) has admitted to not only homebirth being the best/safest option for us, but he's also the backup doctor for most of the midwives here (midwife #1 referred us to him!).
Any info would be greatly appreciated! Sorry for it being so long, I don't have anyone to vent with about this crap!