I am very passionate about having a homebirth and at this time, my insurance will not cover it. I live in NY and am under my husband's health insurance plan that is based out of Utah. They are checking to see what their requirements are to comply with NYS law, but they don't think it looks promising that I will get coverage through them, which is my only option. I am definitely not able to afford paying for it out of pocket. The insurance company also has yet to provide me with any midwives in their network and they don't cover birth centers either. I am not okay with delivering in a hospital with an OB and that is not the experience I wish to have with the birth of my child. I must find a way to make this work. Does anyone have any ideas? I need help! Thank you.
My insurance won't cover my homebirth and i'm beside myself. Any suggestions?
I was faced with this, too. *hugs* I found a practice with OBs and certified nurse-midwives who follow the practice model of the CNMs doing all the "normal" deliveries and only calling the OB when/if things deviate from normal. I love those midwives and I had a beautiful, med-free hospital birth. I personally would not have felt at all comfortable with UC (as a CNM myself, I've seen things go very unexpectedly sideways in the lowest-risk of women) so I found a compromise. I was very disgruntled about it for a while before my son was born but it worked out well!
I would like to also say that just because someone chooses to give birth unassisted does not mean they are uneducated. I find that very offensive and judge mental. Most UCers I know are much more educated on pregnancy and birth than the average person. A woman deserves to have whatever kind of birth she desires. Just because you don't feel it's right for you doesn't make it wrong.
I had this issue with United Healthcare and eventually got them to reimburse about 1800 of my 4K homebirth fee (I had two CNM's present).
I had to jump through a lot of hoops to get it done though. First of all, my understanding (just from talking with my midwife) is that if homebirth is legal in NY they have to at least offer coverage in some form.
Secondly, 99% of the issue is billing codes. I had to get a list of billing codes from my CNM's billing service to send to my insurance company for their review. THEN I also had to get my in-network primary care provider to write a letter to United stating that there were no in-network homebirth providers to her knowledge. THEN I had to hassle the insurance company for several months to send me something in writing approving the billing codes. THEN I had to battle with them for over a year after my son was born to even get the 1800 reimbursement. They kept denying the claim as no being medically necessary LOL.
Call and pester them to find out how to get the in-network exception. You'll probably have to talk to about fifty people before you find someone that wants to help you. I honestly think if I hadn't have been such a persistent pain in the butt I would have never even gotten the small reimbursement I got. They love to tell you "no" and hope you go away. Good luck.
I didn't say or mean to imply that someone choosing to give birth unassisted means they're uneducated; but they are choosing to give birth without an educated, trained attendant, or maybe I should say "assistant". I didn't mean it was wrong, either. Is it more likely to end tragically, yes. It can also end perfectly.
ITA that insurance companies say flatout "no" to everything first in hopes you'll go away. That's true of homebirth and a crap ton of other things as well. It's not necessarily their final answer, but you have to be prepared to annoy the hell out of them.