How much does it cost? - Mothering Forums

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Old 04-04-2007, 04:09 PM - Thread Starter
 
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Ok so how much is it to have a home birth for midwife and all? Does anyones insurance cover a midwife?
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Old 04-04-2007, 04:17 PM
 
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In Florida, many insurances cover homebirth, including medicaid.

It costs about $4,000 without it, with discounts for paying early. HTH!
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Old 04-04-2007, 04:20 PM
 
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I'm lucky that health care in my province covers home birth.

Jam 7, Peanut Butter 5, and Bread 2.

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Old 04-04-2007, 04:25 PM
 
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mine will be a little over $3000, medicaid will not cover any of it.
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Old 04-04-2007, 04:26 PM
 
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Mine is $4000... between last years deductible and this years, plus my copay we are paying about $1700 out of pocket.
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Old 04-04-2007, 04:29 PM
 
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Mine was about $3500, prenatal care and birth included. Plus $500 for the 'birth assistant' to the midwife. My insurance covered the midwife costs, but not the birth assistant.
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Old 04-04-2007, 04:30 PM
 
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My insurance will cover a good bit of it, but the cost around here ranges from $2400- $5000 ++

-Angela
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Old 04-04-2007, 04:40 PM
 
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My CNM is $2000. She also brings a doula with her to the birth. We think it's a great deal.

Oh, and our insurance will probably not cover any of it. We are hopeful that they will cover prenatals -- about half of the cost -- because she's a CNM, but we'll see.
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Old 04-04-2007, 04:43 PM
 
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Mine was $2500, still trying to get insurance to cover it.

Shelley, mother, wife, sister, aunt, friend.
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Old 04-04-2007, 04:47 PM
 
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Mine was $4000, and my insurance covered it as out-of-network, no questions asked.

WAHMama to Allen (2-10-05) and Alexa (6-27-08)
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Old 04-04-2007, 06:07 PM - Thread Starter
 
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Man that is steep! I am going to check out my options with my insurance and see what they would be willing to cover. Although I am not pg yet but I want to be prepared if and when I do get preggo
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Old 04-04-2007, 06:41 PM
 
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Mine in Oregon cost $3500 total, but after smart insurance billing (I wasn't sure they would cover any of it) my midwives gave me about $1600 of that back. This did not include some misc. labs & ultrasound, which I chose to do at 20 weeks.

When I was browsing I saw other homebirth midwives who charged more like $2500, but I felt the midwives I went with were on the more qualified/well-known end of the spectrum, so I didn't mind paying more.
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Old 04-04-2007, 06:42 PM
 
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Oh, forgot to add:

My insurance ONLY covered what they did because my midwife was a CNM...they covered under skilled nursing services, not homebirth.
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Old 04-04-2007, 06:57 PM
 
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My insurance doesn't cover home birth period.

We switched to our hb mw at about 34 weeks and had already had a lot of tests and prenatal visits, so, ours is *only* $1000. That covers six to eight weeks of prenatal care (in my own home), the delivery and follow ups.

I guess ours is relatively low because we came to her so late in the pregnancy and b/c I am continuing co-care at the birth center (which is covered by insurance).

During the interview process I found other midwives who were willing to work with us on the figures, ranging from $1k to $1700.
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Old 04-04-2007, 07:30 PM
 
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My midwives charge $2,450 to be paid before week 36 (they're flexible though) and that includes EVERYTHING except the birth supplies (prenatal care, birth, and up to 8-10 weeks of postpartum care

My insurance didn't cover anything at all since my midwives aren't CNMs
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Old 04-04-2007, 09:58 PM
 
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Quote:
Originally Posted by the_lissa View Post
I'm lucky that health care in my province covers home birth.
Me as well. But I do wonder what the midwives bill and get paid ultimately. Any idea? Are you also in Ontario?

4 kids under 10
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Old 04-04-2007, 10:04 PM
 
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I found this, although the numbers are from 2001, so probably somewhat out of date.
British Columbia: $2250 per course-of-care
Ontario: $1375 to $1923 per course of care
Manitoba:$55,000 to $72,730 annual salary
Quebec: $58,500 to 70,000 annual salary
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Old 04-04-2007, 10:08 PM
 
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I'm in ONtario. I was told 55- 77 thousand, but that was before the increase.

Jam 7, Peanut Butter 5, and Bread 2.

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Old 04-04-2007, 10:39 PM
 
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Mine will be around $4000. I'm hoping ins will cover 60%. My mw says she has a good biller.

I've called the ins company and got the following answers: "We don't cover midwives."

Me: "At all?"

Ins: "At all."

Me: Click.

Call back 5 minutes later.

Me: "Do you cover midwives?"

Ins: "Yes, CNMs who work with OBs."

Me: Click.

Call back 4 minutes later.

Me: "I'm having a homebirth; do you cover midwives?"

Ins: "You're having a what?"

Me: "Homebirth."

Ins: "Will that be at the hospital, with a doctor?"

: :

treehugger.gif Erika
mom of twins.gif (8)  blahblah.gif(5) thumbsuck.gif (3) and baby.gif born at home on Christmas day! 
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Old 04-05-2007, 01:36 PM
 
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I have heard that, in most states, if your plan's network doesn't list any midwives, then they have to cover the one you choose.

My MW's biller already got advanced approval from my insurance co. They will bill $7000 in an attempt to get $5000. If they get less than $5000, I have to pay the difference.

Leigh, mama to Rostislav homeborn Aug 9 2007, and Oksana homeborn Feb 24 2011.
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Old 04-06-2007, 02:17 AM
 
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my homebirth with the cpm is 2000.00 my insurance told me they would cover birthing centers but i dont know about the home birth. i was allowed to put my cpm in the computer as my caregiver for a unrelated program where i will recieve a gift card after i have my baby, but i believe my insurance will problably cover 55% out of network or 80% in network or 100% just for the maternity care. my prenatals are 75 for the first one and 35 for the rest
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Old 04-06-2007, 11:03 AM
 
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our insurance says they don't cover "planned home births" what's there to pay for in an unplanned home birth? ambulance transport to a hospital afterwards??

our midwife charges on a sliding scale with income with the typical figure $2800.

we did put money in our flex plan account for this (for those who don't know US tax law - it's a way to set aside some of your wages tax-free for medical spending on things not covered by your insurance, like co-pays, dental work, contact lenses, etc.)

Rosemary & Gary :
James 12/04 & Cecelia 4/07
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Old 04-07-2007, 08:10 PM
 
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Our midwife is charging $1500. She is an apprentice and her supervising midwife will also be there.
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Old 04-07-2007, 08:41 PM
 
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This birth will be $3300 plus what I pay for the birth supplies. I will check, but I'm almost positive my insurance won't cover it.

Non Practicing Midwife, going back to school! Mamma to my 3 loves, living each day to the fullest.
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Old 04-18-2007, 02:01 AM
 
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Mine was $2,000 last year (plus $50 for the HB kit). It seemed to be the average price here in AZ when I was MW shopping. Looks like I got a great deal!
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Old 04-19-2007, 09:09 PM
 
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We've been living in Salt Lake City but are in the process of moving to Portland, Oregon (I'm 29 weeks). Our midwife in Salt Lake charges $2000 for a homebirth but there were others who charged around $1600. It isn't an area where homebirths are even remotely mainstream so I think that's reflected in the costs (plus there are only 13 homebirth midwives in the whole state). In Portland, homebirth seems to run $3000-$3500 but we were able to work something out since we are transferring fairly late in the game.

We have Great West health insurance and they do not cover homebirth and provide very poor coverage for "out of network" providers which is what all CPM/DEM fall under. So ultimately we are paying for it ourselves but we are using our flex account to save a little money.

Mama to DS (6/07) h20homebirth.gif, DD (6/09) h20homebirth.gif, and DD (07/12) homebirth.jpg..

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Old 04-19-2007, 10:08 PM
 
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For those of you who's insurance is paying do you mind sharing what company your insurance is with?
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Old 04-20-2007, 10:43 AM
 
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My current insurance, that agreed to pay, is Aetna. But, it will change to Oxford before the baby is born, and the MW will have to apply again.

Leigh, mama to Rostislav homeborn Aug 9 2007, and Oksana homeborn Feb 24 2011.
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Old 04-20-2007, 10:18 PM
 
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I had my DD last November - it was $2500 plus herbs and homebirthing supplies...I've got to send the claim to Pacificare...
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