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Originally Posted by heathenmom
So, instead of the $25 co-pay, I'm afraid I'll get stuck with several hundred dollars worth of doctor's visits, on top of the midwife's fee that's already out of pocket.
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The insurance company should still pay for the visits, but they would be considered OB/GYN visits, not prenatal visits, and thus you'd need to pay the co-pay for each one, rather than just one co-pay. A friend of mine saw an OB for a while and then stopped and switched to a midwife. She got a bill for some visits, but then she called up the insurance company and got it corrected. Yes, the OB's office might bill incorrectly, but if you call your insurance company and say that was prenatal care, they *should* cover it.
If your chiro can't sign it, how about just going to an FP for a pregnancy test? FPs do pregnancy tests without doing prenatal care all the time. My own FP doesn't do deliveries, but she's happy to give out pregnancy tests whenever you need one, and then she assumes you go to an OB for your actual prenatal care.
