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Discussion Starter · #1 ·
I'm trying to get all my ducks in a row before TTC and i would idealy like to have a homebirth. BCBS said that they do not cover homebirths but will cover a birth center birth. I think the closest birth center to us is in milford Nh (45 min away)...BUT my daughter was a c-section so this will be a vbac and just recently i belive nh midwives are not allowed to deliver vbac's out of the hospital.<br><br>
Did anyone have a mass insurance that covered their homebirth? My mom runs her own buisness and can easily switch inurance companies and put me on her plan.<br><br>
I REALLY dont want to be driving an hour + in a car while in labor, and we cannot afford to pay the 4,000 out of pocket.<br><br>
Damn this system!<br><br>
-Erin
 

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Lots of insurance cover all/part of a homebirth. Including BCBS - I know people that have had them cover it. I had Cigna and they covered it out of network.<br><br>
The person to ask would be the midwife you are considering using what insurance that they have been paid by.<br><br>
Insurance companies will almost always say "No" even if they really do cover it. I also didn't call my insurance ahead of time. I just submitted the bills as prenatal care - well actually my mw did - and they paid them no questions asked. I think if you call them, it red flags your account more and they know to watch for it.
 

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It is a gamble, as pp mentioned.<br><br>
If you have a PPO instead of an HMO you will have better luck, and at least, I was able to get all of my prenatal visits reimbursed and the postnatal visits, I just didn't have "birth" on my claim. So I got 1/3 back.
 

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BCBS of MA (PPO) paid for part of my HBAC in 2/06. We paid the midwife upfront and were then reimbursed (in part) for my midwife's services as an out-of-network provider after the birth.<br><br>
Do you have BCBS HMO or PPO right now? Someone else from a list I'm on very recently had a home birth covered by BCBS (PPO I'm pretty sure).<br><br>
If you search the archives there have been lots of threads about this & you should be able to find some good info from those too.<br><br>
The recent ruling in NH definitely prevents CNM's from attending birth center or home VBACs, and Tracey, one of the 2 midwives at the Birth Cottage in Milford is a CNM. However, you may want to call there to find out if Adrian, the other midwife (a NHCM) is still attending VBAC or HBAC. The wording of the ruling from the NH Board of Nursing was confusing (to me at least) and I haven't had a chance to get clarification about it about the trickle down effect it might have from the NH midwives yet, so if you do call, please post any info you get!<br><br><span><span style="font-family:'Comic Sans MS';">=================<br>
Mama to DS 5/03 & DD 2/06 (HBAC!) <img alt="" class="inlineimg" src="/img/vbsmilies/smilies/nocirc.gif" style="border:0px solid;" title="nocirc"><img alt="" class="inlineimg" src="/img/vbsmilies/smilies/winner.jpg" style="border:0px solid;" title="BFSymbol"><img alt="" class="inlineimg" src="/img/vbsmilies/smilies/familybed2.gif" style="border:0px solid;" title="Familybed2"><br><img alt="" class="inlineimg" src="/img/vbsmilies/smilies/ribboncesarean.gif" style="border:0px solid;" title="cesarean">: <a href="http://ican-online.net/" target="_blank">ICAN</a> “You never know when you're making a memory.” ~ Rickie Lee Jones</span></span>
 

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Discussion Starter · #6 ·
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<div>Originally Posted by <strong>MAMom</strong> <a href="/community/forum/post/10738288"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">BCBS of MA (PPO) paid for part of my HBAC in 2/06. We paid the midwife upfront and were then reimbursed (in part) for my midwife's services as an out-of-network provider after the birth.<br><br>
Do you have BCBS HMO or PPO right now? Someone else from a list I'm on very recently had a home birth covered by BCBS (PPO I'm pretty sure).<br><br>
If you search the archives there have been lots of threads about this & you should be able to find some good info from those too.<br><br>
The recent ruling in NH definitely prevents CNM's from attending birth center or home VBACs, and Tracey, one of the 2 midwives at the Birth Cottage in Milford is a CNM. However, you may want to call there to find out if Adrian, the other midwife (a NHCM) is still attending VBAC or HBAC. The wording of the ruling from the NH Board of Nursing was confusing (to me at least) and I haven't had a chance to get clarification about it about the trickle down effect it might have from the NH midwives yet, so if you do call, please post any info you get!<br></div>
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We have a BCBS HMO. Someone else suggested getting a referral from my PCP - i'm gonna try that!<br><br>
You're right. I actually did call the other day, and they called me back today. While Adrian CAN do homebirths in Mass and will do vba1c at the center she won’t do homebirths because Tracey cannot. She doesn’t want to not have a backup - and in all honesty I understand. It just stinks.<br><br>
She said she will do vba1c at the center - but for me if I am going anywhere it’s to the hospital. I WANT to be home, not essentially at someone else’s home.<br><br>
My parents have a house in NH but it’s pretty far away from a hospital so I am pretty hesitant about that.
 

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As someone who is not having my preferred option of a homebirth because of insurance, I agree that the system is ROTTEN! I love how you always hear that homebirth isn't popular because only 1% of women deliver that way -- no kidding, it's too expensive and hard to access for many families that would want to!<br><br>
Just wanted to let you know that a good friend of mine had BCBS HMO in MA cover her homebirth 100%. She asked ahead of time, was denied, appealed, and was accepted! This was in March '06.
 

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Someone on the board was reimbursed for her birth. She received all of her prenatal care at a birth center and saw the midwife a couple times before the birth and her insurance paid her abck for the birth and more. Depending on what insurance you have itmay not be that much more. We had a 500 co pay and with the post partum visits and ds's NICU stay it would have been by far cheaper to have and HB.
 

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Yeah, my 3000 (10% copay) for birth #1 -- it would have been cheaper to have a homebirth-- that's a factor that often does not get figured in.<br>
It was over 30,000 for a pretty much normal vaginal birth with the epidural and pitocin. I was being monitored for high blood pressure but the bulk of the 30,000 (I'd say 90%) was just the hospital stay (3 days because of the time I delivered I got the extra night per the law), epidural, pitocen, vaginal birth.<br><br>
And if the midwifery bill gets passed that will help getting more insurance companies to pay for homebirths.<br><br>
Jessica
 

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Our homebirth was $2200 and the prenatal visits were $75 each. We had Benefit Plan Management (also called Health Plans Inc. now). I think they're in Rockway, MA or something like that? Anyway, they were the plan administrators, but it was also under the name of Tufts. We paid for everything out of pocket (and also saw the midwives at a regular birth hospital center for "back-up", but shhhhh....don't tell anyone) and the insurance paid for everything. We ended up getting reimbursed everything and our homebirth midwife called me, flabbergasted. She's been doing this for 25+ years and never had gotten paid so much for a homebirth, ever. It worked out well for all. Good luck!<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/thumb.gif" style="border:0px solid;" title="thumbs up">
 

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BCBS covered all my prenatal visits (all w/midwife), lab work (through midwife) homebirth and post birth visits. Of course, we had to pay upfront, but got reimbursed for everything in the long run. I am sure it is dependent on what plan you carry though. And like other posts, my midwife was astonished as well! My midwife actually did all the submittal paperwork for us through someone who does that kind of thing - I am sure I would not have gotten all that back if I had attempted the paperwork on my own. I think she mentioned it got rejected once or twice for a couple of the claims, but was just resubmitted and eventually it was all paid. The whole process took several months post birth.
 
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