Does anyone have any advice? Or anyone successfully done this? We have met our in-network deductible. And insurance pays 80% now. However, my MW is considered out-of-network. That is a whole separate deductible that we have not met. I talked to my insurance, they have midwives, however they are only hospital related midwives. I've done some research and have found that some have asked that their MW be considered a gap exception and pay her as in-network. Since none of the providers they have, offer the service they need (home birth). I also have plans to prove I'm low risk, have home birthed previously and how it will save them quite a bit of money. Oh and I have BCBS of TX.
I was mostly curious if anyone has done this and if so, advice.