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Need help with Tricare and homebirth - Page 9  

post #161 of 363
Quote:
Originally Posted by wombat View Post
I got that story also from the Tricare Reps at the MTF. They were the worst when it came to misinformation and they're supposed to be Tricare experts! I'll never believe anything they say from now on. The Rep tried to scare me with stories of huge medical bills and never once mentioned the catastrophic cap.
Exactly. Speaking to the Tricare reps on base at your MTF is worthless. That's why I tell everyone to call the 800 number and ASK FOR A SUPERVISOR. Never deal with a regular Tricare customer service rep - they are as bad as the base reps. The supervisors really know their stuff and are very helpful.
post #162 of 363
I would like to thank you all for your contributions to this discussion. I am currently going through the ordeal of getting some coverage for my 2nd homebirth, and a friend of mine is getting flack of a different kind from the same MTF. I want to ask a few questions.

I am on Active Duty. My husband also is. We live off-post, about 15 minutes from West Point, where we are permanently stationed. Our first child was born there (when I had 7 years in), and our postpartum experience was so horrific, we vowed to never give birth there again. (Delivery itself was OK, but not ideal according to my standards.)

Two years later (9 years in service, all at West Point) I informed the new OB at West Point during my 36-week appointment that I was planning to have my baby at home, that I had been seeing a midwife concurrently with my OB care from the MTF. My commander required that I keep the relationship at the MTF because of the ease of obtaining profiles, etc. I thought it good sense to maintain the relationship in case we needed to transfer there. He recited a litany of obstetrical nightmares he had personally borne witness to (in hospitals, of course) and threatened to call CPS on me for endangering the welfare of my unborn child. (Then he handed me a "gift bag" with a formula sample in it and I gave him a piece of my mind.)
At my 38-week appointment, Dr. Doomsday (MAJ Doomsday, I suppose), with my chart in hand, informed me that he was changing my EDD to a week prior to what was in my record, because of an ultrasound that was performed at 8 weeks (which the other, civilian OB at the MTF ordered because I *couldn't possibly* have known when I got pregnant...I was still breastfeeding child #1...but have been using Natural Family Planning for years and was 100% certain, within 36 hours, when I had ovulated.) He also let me know that New York State law forbids homebirth after 42 weeks gestation. He took great joy in cutting me short a week, but I wasn't concerned.

Dr. Doomsday was deployed the following week. He is no longer stationed at West Point. Civilian doctor who attended first birth there is still providing care, as is the COL who was the Deputy Commander of the hospital when my son was born -- he's now (again) the Chief of OB/GYN.

I gave birth the day before 40 weeks gestation (now almost 41 weeks by his modified chart) at home with my LPM. This delivery was amazing and comfortable and ideal and the stuff dreams are made of (despite being what the OBs might call "needing intervention" or "an obstetrical emergency"). I had not even considered Tricare assistance for this birth, gladly paying $4000 out of pocket over 2 years to the midwife because she was not a CNM.

Bloodwork and observation proved that my 2nd baby was going to need phototherapy by day 2, so we went in to see our pediatrician at the MTF (who was aware of our plans to give birth at home and watch for jaundice of early onset), and he admitted us to the mother/baby ward for phototherapy.

We were treated like lepers and again, I vowed never to return to that floor of the hospital. the treatment we received there was abhorrent. I did speak up and request that the nurses treat me with respect, but I never wrote a letter to the command or filled out any surveys documenting my dissatisfaction (knowing I wanted another baby and would likely deal with these people on some level again someday regardless of my choices). The most egregious incident was that the head nurse on the ward refused to allow my toddler daughter on the ward to see me, claiming "we have rules here." I had in hand a copy of the rules, which stated siblings were permitted on the ward, directly to the family's room, not anywhere else on the ward. There was no one else on the entire ward (this MTF sees approx. 200-250 births/year) but this nurse (still the head nurse there) insisted my baby was an infection risk. I reminded her that my toddler had already been exposed to my baby during our 36 hours at home after the birth, at which point she rolled her eyes and stated, "OK, fine, she can come in your room...but you can't breastfeed her in that hospital bed." I looked at her like she was insane and walked away (of course I did nurse my toddler in that bed. I didn't nurse both children at once.). I was also told, upon admission "you are not our patient, the baby is. If you need pads, medication, or anything, don't ask us for it. You are not the respoisbility of this ward, we are letting you stay here as a courtesy to Dr. (Pediatrician) who has asked that you not be separated from your baby." I calmly reminded the nurse that I was entitled to care there, had received prenatal care there, etc., and if I should experience any postpartum medical issues, that I most certainly would alert nursing staff and expect to be cared for.

I am again pregnant (12 years time in service, all at West Point). When I showed up at the OB clinic for orientation with the clinic nurse, she scowled at me and said "Oh, YOU'RE pregnant again." I have been treated with stark politeness (and gross misinformation, which I am not protesting in the interest of being civil) by the COL (OB doc) there and most of the clinic staff (he was the hospital deputy commander when I gave birth to my son, so was likely involved in discussions about our admission to the L/D ward instead of the Med/Surg. unit, how we were treated by the staff there, and how we reacted to that treatment). The female civilian doctor is giving me no trouble whatsoever but after 5 years (including non-OB, GYN care) I think she has agreed to disagree with me. She's easygoing.

My current commander is not requiring that I maintain appointments with the MTF, agreeing to accept any guidance from my midwife about profiles, etc. (to be processed through a PCM if anything has to be made "official"). This is in the interest of my physical and emotional well-being, as this commander sees what happens to me after an appointment at this MTF and also knows how I was treated after the birth of my 2nd baby AND hears how I am treated at each appointment.

The SGM of my unit is in contact with the SGM of the hospital, who claims to be appalled by the treatment I am receiving (and I haven't even gone into detail with these people).

I spoke with a Tricare supervisor (on the 877 number...the 4th person I spoke to during that one call) in May, who advised me that I am entitled to coverage for a homebirth even though I am on Active Duty because the MTF does not offer midwifery care or homebirth, and New York State law dictates that insurance companies pay beneficiaries for services that are not offered otherwise. Since my MTF does not have a midwife on staff nor does it provide an attendant for birth at my house, NY Law states that I am entitled to the choice of my birth attendant and location and I can/should therefore be covered by my insurance provider (Tricare) despite being on Active Duty. I was told I needed a referral for midwifery care from my PCM.

I made an appointment to see a PCM (mine was on emergency leave, I waited 5 weeks for the appointment I did get) and was told "I cannot support this, get your referral from OB" at which point I told her that Tricare required the referral come from a PCM. She was incredibly rude and started spouting off about "safety" and "my ass isn't going on the line for something so ludicrous as this" and on and on, "I had 4 kids at military hospitals, you can too..."

I left in tears (not normal for me, I usually go down swinging). My SGM spoke with the hospital SGM, who advised me to see *my* PCM at her first available appointment. That is next week. I don't think things are going to go any better with her, because there is another woman, a spouse/dependent, who is also working the channels at this MTF and meeting gross resistance (being told she cannot legally give birth in government quarters! I googled to find information about whether that was even possible, and came up with this thread and the amazing post on page 4 about how that is NOT a legal order. Thank you, thank you!). They are apparently "shocked" that there are TWO women at West point who want homebirths. As if we're the only two in the world? Or the first two ever? Or something?

I am being told to seek guidance from the patient rep. at this MTF if I do not get my referral for midwifery care. I have not involved the OB clinic at all but I'm sure they're hearing all about everything. I'm just keeping my scheduled appointments, smiling and nodding when they tell me I "can't" breastfeed my almost 3-year old son or that "homebirth isn't safe" or that my blood pressure is slightly elevated (hmm...I wonder why that could be? It's routinely around 94/70 at the midwife's office...).

I am deeply distressed by the treatment I have received in the past and am currently receiving, and I am even more upset by the treatment my friend is now receiving (she hasn't ever crossed paths with the people who have hassled me, she hasn't even gone to the OB clinic at the MTF at all...her first two children were born at other duty stations). We have the same midwife, who has a billing person and they are both more than willing to go to bat for us here.

I am very scared that, heaven forbid we do require a transfer to the MTF in labor, we will be shown a complete lack of courtesy or professionalism and treated like we're lucky to have them, not like we're entitled to care.

I only want to fight for that which I am legally entitled...but I am not afraid of a fight. I'm expecting to have this baby after Thanksgiving, and will happily, gladly, enthusiastically round up the New York Friends of Midwives, Senator Hillary Clinton, Representative Carolyn Maloney (introducing breastfeeding protection act...not my representative but she does represent NY), anyone who will demonstrate that I am legally entitled to what I ask for, which is freedom of choice in my birth location and attendant and the right to financial coverage for whatever choice that may be.

If you are still with me after my long story, I thank you from the bottom of my heart and seek your counsel. I have consulted all of the resources listed here on this thread (I've been at this for several hours and must get to bed!) except the supervisor at Tricare whose number was provided earlier (though I wonder if she's who I spoke with? I should have written this down.).

I ask you:

Do you know of Active Duty women who have had homebirths (I can't be the only one...or can I)?
Do you know whether they have received Tricare payment for midwifery care?
Does the fact that we are dual-military, and I could theoretically be his dependent, play into this at all as a loophole?
Should I just shut up, avoid any further stress, go on a payment plan with my midwife for the full out-of-pocket fee, and do what I did last time, which is just not have the baby at the hospital? Or is there a fight worth pursuing here?

Thanks in advance for any guidance you have to offer. Or sympathy, for that matter. I'm already feeling like a lost soul in society at large, this whole mess doesn't do anything to make me feel better. What a crappy vibe to have to carry as I prepare my home and my family for the arrival of our new baby.
post #163 of 363
Some quick thoughts - I'll write more later:

Sorry you have had such troubles! Hugs, mama.

I don't know specifically about being active-duty, as I am dependent, but here's what I do know:

Your referral (I think) has to come from the OB, and I think the OB can override a referral from your PCM. But since you have info from Tricare saying you have a right to a choice of birth situtation, I would persist with the higher-ups if your referral is being refused.

You cannot be considered a 'dependent' of your hubby and switch to Standard because you are active-duty yourself, and therefore prohibited from being on Standard, as I understand.

You can, however, go to ANY hospital you want in an emergency. If it comes down to you having a hospital birth, you should just drive to the nearest civilian hospital, if you really want to avoid the horrors of your base experience. I would imagine you could have a much better experience that way, especially since they would not know you at all.

OTOH, I would just pay out of pocket if there was no way to win this fight and give birth at home. Even if it causes a bit of debt, it would be worth it to me to protect my babe and not have birth trauma to recover from.
post #164 of 363
Maltagirl, gee you've had a horrendous time! They can get so bitchy at the MTFs when you don't do as you're told. That's pathetic they had to take it out on your 3 yo. I got some flak too. I'm so sorry you had to go through that all.

I don't know much about active duty's rights either, and I don't know any that did a homebirth. I'm also a dependent. You're best bet is getting hold of that Tricare Supervisor again and getting something in writing. What you wrote in bolding is how I interpret it also.

Tricare does say the referral has to come from your PCM. Another mom told me to make sure I didn't go to the OB clinic at all. I went straight to my PCM to get the referral (my MTF didn't have OB facilities, yet the MTF 10 mins down the road did, go figure that logic!) I got my referral from the PCM. She did try to send me to the OB clinic but I refused to go there. I knew an OB wouldn't write me a referral. Tricare told me - If you're pregnant, you a referral from your PCM to a birth provider - that is either the MTF OB clinic or somewhere else (ie homebirth CNM). Once you've already been referred to the OB clinic why would the OB clinic refer you anywhere else for a condition (pregnancy) that they treat? Hope that makes sense.

The MTF (medical management dept) can refuse to give you the referral though. I can't believe they're allowed to prevent us accessing Tricare benefits that we would be eligible for except for that referral. I don't understand the politics of it. The MTF treats it as a matter of semantics - they have OB facilities therefore we don't need to go to a midwife. Yet Tricare seems to give us the right. If that's the MTFs only argument, I find it hard to believe it would hold up under some legal pressure. It'd be interesting if you could rally up some influential people to put pressure on the MTF. Depends how much of a fight you want while you're pregnant. Although it doesn't sound like you could get anymore unpopular at the MTF I totally know what you mean about being treated like a leper.

That's so true about the blood pressure! My first pregnancy at the MTF - my blood pressure started to climb up in the high zone, and I usually have low blood pressure. My 2nd pregnancy going to a homebirth MW - my blood pressure stayed normal throughout even though I had a 1 hr drive to get to the MWs.

I think this is even more an issue for active duty because you can't fall back on Tricare Standard.

Are you assigned to a MTF? I mean, can you switch to another MTF? I did that. I hated the MTF I was at after a particularly nasty vax battle. So I switched to a nearby one - like 10 mins away! This MTF didn't have OB facilities. That's where I got my referral to the CNM. It seems totally ridiculous to me, that I could get a referral and StacyL at the nasty MTF 10 mins away couldn't. Our birth choices are affected by such petty little bureaucracy - makes me sick.
post #165 of 363
As an active duty member (at least when I had my kids 1.5 and 3 years ago) yur PCM changes from the TMC to one of the OB/GYN department people. So most likely your referral would have to come to them.

I think the referral for homebirth thing is somewhat questionable because to my understanding Tricare does not differentiate between type/place of provider- meaning they only care if they get you an OB provider- not if they get you the type you want. I could be wrong (and hope I am!) but that is how it was explained to me. And of course their providers are hospital providers.

As a fellow active duty I can agree with you that it is shameful the way we are treated. It's incredibly difficult for me to understand why it's okay for active duty to be treated worse than dependants. Why do dependants need the right to choose providers but not servicemembers? Dependants certainly put up with their fair share of hardship (I am a military spouse as well) but what other line of work requires their employees to have crappy insurance but gives their families better insurance.

This is a personal issue for me right now as we have been trying to get pregnant for about 15 months. My civilian insurance (from my husband's civilian job) covers a lot more fertility services than Tricare and I can self-refer. But I am involuntarily mobilized, only allowed to use Tricare, and having been waiting since May to get a referral for the limited fertility stuff they cover. Now I got a referral and an appointmen in a month to somewhere 100 miles away- and I live in a major city, there are zero network providers here.

Well, it's time for breakfast and the kids are letting me know it so I have to go... I may think some more and post later.
post #166 of 363
Quote:
The MTF (medical management dept) can refuse to give you the referral though. I can't believe they're allowed to prevent us accessing Tricare benefits that we would be eligible for except for that referral. I don't understand the politics of it. The MTF treats it as a matter of semantics - they have OB facilities therefore we don't need to go to a midwife. Yet Tricare seems to give us the right.
This is exactly what I'm going through, right here. Medical Management is flatly refusing. I'd guess if I had gotten a more sympathetic PCM on my first try, the referral would be in the system and no questions would have been asked, but since I got one who decided to be a about it, and another woman went in for a referral and was also denied, I'd bet there was some hospital-wide memo or staff meeting addressing this and now it'll be a big stone wall.

Our MTF is the only one for miles. Everything is housed within one building -- it's 4 floors. The 1st floor has clinics, the ER, radiology, the lab, etc. The 2nd floor has administrative offices, the library, a classroom, the cafeteria, and the OB clinic. The 3rd floor is split between surgical services (anesthesia, pre-op appointments, same-day surgery/recovery, etc.) and the OB ward (which has 6 semi-private rooms, 2 labor and delivery rooms, and an OR) and the 4th floor is the medical-surgical unit, some offices (audiologist, etc.), and a few other things. It's not a huge place.

I think the OB services have been in jeopardy for years here. There are so few births, they can only do the most basic of procedures, they don't even offer epidurals...there is no NICU, it's really low-key and they have a lot of transfers to bigger hospitals. It's the closest hospital with an obstetrics ward to me by a long way, so if I needed to transfer from home, it is really my only option, covered or not. Anyway, in reading this thread and learning about how the hospital gets $$$ for every birth that takes place there and loses $$ for every one that's referred out (for any reason)...it becomes obvious to me why they are working so hard to deny me this referral. I have been seen by the OBs there because it is required of active duty members to get the pregnancy profile in accordance with some regulation. But, I would discontinue that care in a heartbeat. I've considered it but it seems to be in my best interests to maintain a relationship with the doctors in case something develops that my midwife would advise me to birth in a hospital for.

It is also disgusting to me that they can get away with treating me like this. There is no other line of work (to my knowledge) that locks a person into using one clinic with two doctors no matter what. I, too, wonder how hard I would need to fight, where I would need to take that fight, and what my chances are of winning. I'm pretty overwhelmed as it is with just the day-to-day business of working, being pregnant, raising two young children, community service, and household management...:

We paid out of pocket for the last homebirth but would really like this time to get what we are entitled to, and not put ourselves out $4000. We'd go into debt to pay $8000 or even $12000 to avoid that place, but it stings knowing that the money is there for my taking and I'm a simple referral away from it. :

I really appreciate the notes and sympathy you've offered to me, thanks so much. I'll keep checking back here, and I'll post any updates.
post #167 of 363
Hi!!
First let me say how sorry I am you are being treated like scum. I know the feeling, have been there recently myself!!

I just got out of the Marine Corps a week ago. I am pg with my 4th, and have paid out of pocket for 3 homebirths. If I had known about the PCM thing I would have tried. Of course they are pretty good at keeping info like that to themselves!!

This pregnancy, my husband pcs'd to Camp Pendleton CA. I went to the Naval hospital there to try and get a shot of rhogam ( I was still on active duty, just on terminal) and was told by the tri-care rep that because I CHOSE to pay out of pocket for my midwife, that I needed to pay for everything that comes with it including my rhogam!!!! I was appaled and could barely talk as I stormed out of that place. I will never step foot in that place again!!!

If I were you I would write letters, and make phone calls to all those people you mentioned before and make them pay for this!!!!

Well, I must get dinner started. Good luck to you, stay strong!!!
post #168 of 363
Wow, I can't believe they told you that!

Tricare reps at the base usually are clueless.

If it were me, I would just totally ignore what they told you and make an appt with OB or your PCM for the shot. You could always pretend that you are going to use the MTF for your OB care. (When I was AD, I worked at OB at WHMC. We had several moms who were doing parallel care and not telling us about it). I really don't think that they can deny your care just because you are using a midwife offbase. I know of several moms who used mw's and still had their labs done on base, so I don't know what the difference would be.

Hope everything works out for you.
post #169 of 363
Quote:
Originally Posted by Maltagirl View Post
This is exactly what I'm going through, right here. Medical Management is flatly refusing. I'd guess if I had gotten a more sympathetic PCM on my first try, the referral would be in the system and no questions would have been asked, but since I got one who decided to be a about it, and another woman went in for a referral and was also denied, I'd bet there was some hospital-wide memo or staff meeting addressing this and now it'll be a big stone wall.

Our MTF is the only one for miles.
No, the PCM could have given you the referral. But then that referral still has to be reviewed by the medical management dept within the MTF. They can still deny it. So another PCM wouldn't have helped in that situation if the med. mngmt is refusing it. If the medical mngmt dept. approves it, then the referral is sent onto Tricare who then authorise it.

How many miles to the next MTF without L&D? Isn't there a 40 or 50? miles radius you are allowed to be in for medical treatment?

Not that I'm a fan of epidurals but how can they not offer them? They don't have them for emergencies? I transferred to a hospital during my planned HBAC and needed forceps and hell you want an epidural for that!

I don't really understand the need to maintain a relationship with the military OBs. If you needed an OB, they just HAVE to take you, don't they? OB appts aren't mandatory, although probably as active duty they can demand more of you - but you can check your own blood sugar, blood pressure, weight gain, fundal height etc. and keep records of it all. If you must use the hospital you could just turn up for the birth. Less stress.

I'm not sure what's involved with fighting it either. I don't quite understand the politics and financial side of it for the MTFs. It's hard to argue with them when you don't know exactly what it is they're trying to avoid. I'm sure it's to do with $$ but I wish I knew how it worked.



MarineMommy, if you're paying out of pocket - how is the MTF to know? You could just turn up at the MTF for treatment as normal. They don't need to know anything about your midwife if you're paying out of pocket. I suppose you've already told them but you can just say you've stopped paying out of pocket and are coming to the MTF (and just get what you need there while still seeing your MW). If you're paying out of pocket I can't see why you can't just change service providers when you damn feel like it. That Tricare Rep sounds totally crazy.
post #170 of 363
I tried unsuccessfully to get my PCM to give me a referral, as well. There are no L&D services here and all patients are referred to civilian providers. But, they wouldn't give me a referral to a homebirth midwife, even though it is a covered benefit. They asked for the midwifes name, number, and info though. I found out they called her just to tell her they thought homebirth was unsafe.
post #171 of 363
While it's good to know it's not just me they're harassing...

I'm just sick over the treatment so many of you have gotten on this topic. Sick enough that I feel the need to take some sort of action...

This can't be legal. Vesper, your story is probably the worst I've heard. They don't offer maternity are at your MTF, but they choose who will provide your care? Ludicrous.
post #172 of 363
Quote:
Originally Posted by vesper0 View Post
I tried unsuccessfully to get my PCM to give me a referral, as well. There are no L&D services here and all patients are referred to civilian providers. But, they wouldn't give me a referral to a homebirth midwife, even though it is a covered benefit. They asked for the midwifes name, number, and info though. I found out they called her just to tell her they thought homebirth was unsafe.
That is just so wrong. I don't know what State you're in - but is it a State that Tricare covers homebirths? I know in some States, midwives aren't allowed to attend homebirths and then Tricare won't cover anything 'illegal' within that State. In my State, only CNM attended homebirths are covered by Tricare.

You have a very good case for going up the chain of command with this one. They have to refer you out anyway - this can't be to do with quotas or the MTF losing budgetting or $ when you go outside the MTF.
post #173 of 363
Quote:
Originally Posted by Maltagirl View Post
This can't be legal. Vesper, your story is probably the worst I've heard. They don't offer maternity are at your MTF, but they choose who will provide your care? Ludicrous.
I agree. I think you should call a supervisor at Tricare to see what your options are legally speaking.

They HAVE to give you a referral somewhere, especially since they don't provide the service, so what do they care which "method" you choose? If you fight and can't get it, at least you can still get it covered by switching to Standard and it will only cost you $150 co-pay!
post #174 of 363
Maltagirl -

I just wanted to mention this - any baby that you do have, should they have any kind of medical problem, does NOT have to be seen by the MTF. Let's say you have another baby that is jaundice...I'd take 'em to a civilian hospital. Babies are on Tricare Prime until they are 60 days old (after which time I'm sure you know all of the fun paperwork you have to do to make things official), and can be seen at any hospital. You can also walk into the local Tricare office after baby is born and tell them that you want the baby on Tricare Prime, but NOT under the care of the MTF. Doesn't matter that there is an MTF available; if you have a big enough grievance (or, in some cases, a big enough mouth), you can have the baby's PCM be a civilian pediatrician, who then has privileges at civilian hospitals. (I had to do this for my 2 year old after my baby died - they gave us a hard time, because there is overwhelming availability for family practice/peds at the MTF and clinics on the island, but I had enough of a reason - and feel you do too - for them to permit it.)

It is my understanding that when you are active duty, you technically don't have Tricare; you don't actually have medical insurance. I'm not sure where I picked that up, so I could be wrong (and someone, please correct me if I am!), but that may be what the issue is, is that as active duty, you aren't technically covered by Tricare, so you don't fall under their rules.

Good luck either way!
post #175 of 363
Wow, what a thread! I'm slowly working my way through all the posts (there's soooo much information here!), but I thought I'd type out my situation and see if anyone has specific advice for me.

My husband is in the National Guard and has been activated in preparation for a deployment in the next few months. Our baby is due in November. I've been seeing a CNM and planning a homebirth, but with Hubby being "active" now, we are switching to Tricare Prime Remote (TPR) or Tricare Standard. I need to fill out this paperwork SOON.

My CNM is not a "network provider." This means I need to get pre-approval to use her if I'm on TPR, no? What are the odds that they'll tell me I must see a network provider? There are *no* HB midwives on Tricare's list, and frankly, I wouldn't switch now even if there were. I picked THIS midwife for a reason.

Do I also need to get an official referral, even though I've already been seeing her for months?

I saw that someone was asking about MW attended HBs in Germany, and I know of at least 3 (including my own) that were covered 100% by Tricare Prime in the Mannheim/Heidelberg area. My Hubby was called in and chewed out for not getting it pre-approved, but they did cover it; we were told that they'd "red flagged" my file, and they wouldn't cover it without pre-approval next time around. The other two families didn't even get that slap on the wrist. This was 2003 and earlier, so they could be more strict about it now.
post #176 of 363
Quote:
Originally Posted by JustJamie View Post
So anyway...1) can a German midwife perform a homebirth after a c-section? 2) What would be the best way to find a midwife willing to do a homebirth? 3) How do I get Tricare to pay for it? 4) Who do I talk to, and what questions do I ask?
The midwife I used in Heidelberg has been reimbursed by Tricare several times. I'd be happy to give you her name and number. Just PM me if you're interested. I have no idea what the restrictions are on VBAC, but you could at least talk to her (or another midwife) and ask.
post #177 of 363
Quote:
Originally Posted by wombat View Post
That is just so wrong. I don't know what State you're in - but is it a State that Tricare covers homebirths? I know in some States, midwives aren't allowed to attend homebirths and then Tricare won't cover anything 'illegal' within that State. In my State, only CNM attended homebirths are covered by Tricare.

You have a very good case for going up the chain of command with this one. They have to refer you out anyway - this can't be to do with quotas or the MTF losing budgetting or $ when you go outside the MTF.
I live in Florida and the law here states that private insurance and medicaid are required to cover the services of CPM/LM's. Here is the statute: http://www.flsenate.gov/Statutes/ind...27/Sec6574.HTM

However, the military is not like other government benefits, like Medicaid. As all of us well know it is a fight to get them to comply. Where I live there is not a military hospital w/ L&D services within 4 or 5 hours of here--to my knowledge. You would think that that would make the fight easier, but it hasn't. The most help I have gotten is from CPM/LM's in other states in the Southern region giving me advice on how to get my midwife in the network. Which I am working on. Even still, the MTF won't o.k. the referral. Even going so far as to say that it will be denied if I send it up the chain of command. So instead of having my birth 100% as they do for the CPM/LM homebirths in other parts of the South Region, I will have to drop to Standard and eat 20%. Which of course I will do, if I can get my midwife approved in time, but it still vexes me. They referred me out in town to a doctor that does ultrasounds at every appointment and is really big on intervention. That isn't cheap, so they are just fighting the idea of homebirth, not the cost. I had to change that referral to the only doctor open to new patients who only does one or two ultrasounds per pregnancy and will "let" you decline them. The other mom's I know who are pregnant are seeing the original O.B. I was referred to, so I get to hear how about their care---scary!!!:
post #178 of 363

Do I pay the difference?

My PCP has agreed to refer me for a homebirth. (I'm on Prime).

The only CNM in my area has never used Prime, only Standard, since she is not a contracted provider.

My question is: Do I have to pay the difference between what Prime pays the midwife and her regular fee?

I was told before that since I'm on Prime, I shouldn't have to pay anything. However, someone else told me that since the midwife is out of network, I would have to pay the difference.

I'm meeting the CNM for an interview this Friday, so I would really appreciate any advice on the matter.

Thanks,

Jen
post #179 of 363
No, you do not have to pay the difference. In fact, there is a rule that states that the MW can only charge you 15% more than whatever the rate of reimbursement is by Tricare. So, you will likely pay nothing, as she will likely accept the govt. rate of reimbursement, but if you do have to pay it would only be 15%, which would amount to about $180.
post #180 of 363
If your midwife is not a network provider, she can legally charge you want she wants. She doesnt have to abide by the 15% rule. I ended up paying quite a bit out of pocket. I was happy tricare paid anything. I switched to standard for my homebirth and now i am back to prime. They are now apparenty denying claims from my midwife's clients.
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