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Insurance is covering my homebirth!  

post #1 of 9
Thread Starter 
I just got a call from my insurance company and they have made an out of network exception for my midwife. Either way, I was going to have a homebirth, but now I don't have to pay the thousand plus dollars for the birth and it will be paid entirely by insurance. So happy!
post #2 of 9
I am speechless!!! Good for you! A positive story about insurance!! YAY.

I fought mine tooth and nail when I had my ds just for them to cover a lactation consultant... and lost. I'm still bitter! I'm glad to hear that some insurance companies are changing their ways!
post #3 of 9
Yay! Congrats. We are still trying to get our insurance company to pay. They are really being jerks about it.... do you have any advice? A magic spell or potion? Anything?
post #4 of 9
Thread Starter 
I am fortunate that I live in NY and my insurance company is based in NY. NYS insurance law requires that companies that cover midwives cover homebirth midwives at the in-network rate. I sent them an appeal letter to my denial basically telling them that it is the law that they must cover my mw's services. They verified that my mw was allowed to practice in the state and meets all their requirements for providers and then they legally had to cover her.

I'm just glad that this is all straightened out before the baby arrives and that I don't have to do a second appeal and send a letter to the NYS insurance commissioner. Its nice to be done with all that and just focus on the baby.

Be persistent. Find out the laws for your state and hopefully it works out for you too.
post #5 of 9
Alexis, I am so happy for you! WTG momma, fighting for your rights.
post #6 of 9
Cool! FL also has good laws for homebirth coverage, in case anyone is working on an appeal here.

Now, just enjoy your homebirth!
post #7 of 9
Woohoo!! That is awesome!
post #8 of 9
That's great! I'm happy for you!
post #9 of 9
wonderful news!
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Mothering › Forums › Archives › Pregnancy Archives › August 2007 › Insurance is covering my homebirth!