A few months ago I found out that my insurance (united healthcare ppo) is refusing to pay/cover midwives, period. I got my insurance in Florida, but I'm in California now. In Fl, there's a law requiring insurance companies to cover midwives completely (prenatal, postnatal and women's care) (See below). Is this still valid legally? Also, since I'm in California now, is there a similar law here? I'm sick of my ins only paying 10% (pre-pregnancy med bills) and getting away with paying the bare minimum (I found out my ins refused to pay for my 3 hour glucose test because my doctor lied to me and told me I failed my 1hour, this is why I swapped exclusively to a midwife).
Our midwife is charging $6K plus the cost of birth kits ($200) and any lab work done is separate. My partner has a different insurance, is it possible to send the claim to his insurance for reimbursement if mine denies us (he has aetna or blue cross blue shield hmo)?
Florida law requires that maternity care coverage include the services of certified nurse-midwives and midwives licensed pursuant to Chapter 467 and the services of birth centers licensed under ss. 383.30-383.335.--emphasis supplied (see Florida Statutes, s.626.6406; s.627.6574; and s641.31(18)). In requiring such coverage, Section 467.002, F.S. specifically recognizes the need for a person to have the freedom to choose the manner, cost and setting for giving birth. The law requires that maternity coverage include midwifery services and provides that an insured or enrolled be given the option of choosing the setting for receiving such services. Therefore, no HMO contract or insurance policy may directly or indirectly deny reimbursement for midwifery services rendered in a home birth setting.