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Discussion Starter · #1 ·
We are moving to the DC area later this summer, as I am taking a job with the federal government. I am trying to choose from the many health insurance plans available to federal employees, and am wondering if anyone has had a positive experience having ANY of them cover a homebirth?<br><br>
Any advice would be much appreciated!<br><br>
Thanks!<br>
Angela
 

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I am not sure how they are today but CIGNA PPO paid in full for my DS homebirth with a CPM in 2006(which was $1800 back then). Now I have Greatwest Healthcare who recently is part of Cigna(not sure how it works) but they only paid about $700 out of 2400.<br><br>
That is my experince, not very much. Not sure if Cigna still pays it or not though.<br><br>
You can proberly call some of them and see what they say.
 

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Fed employee with Blue Cross Blue Shield PPO. My homebirth with Birthcare (CNMs) was covered at 100%.
 

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Discussion Starter · #4 ·
Thanks, everyone, this is helpful. I know BCBS is good, but it's SO EXPENSIVE compared to GEHA, for example. Hmm. We'll figure it all out...
 

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I have fed employee BCBS PPO and it covered 100% of my maternity and postpartum care, including delivery (at a FSBC, but I hear it's the same for hospitals, and it's been known to fully cover homebirths too). I do plan to switch to a cheaper plan once I'm done having babies. A lot of my coworkers like Aetna.
 

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<p>_</p>
 

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Discussion Starter · #7 ·
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<div>Originally Posted by <strong>coraljean</strong> <a href="/community/forum/post/15514640"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">We have GEHA, and while I haven't yet had a a birth them as my insurance, it is my understanding that like BCBS they cover a birth with BirthCare in Alexandria (CNMs who do birth center or home births) 100%, and if you decide to go with a homebirth CPM they cover it at the out of network rate, which has a $350 deductible and then they cover 65%. I'm not sure if there are homebirth CNMs in DC or MD that they cover in-network, since I am in NOVA I didn't check. My current homebirth midwife (CPM) said that GEHA has been pretty good in the past with paying quickly, but she said with BCBS her clients have often had trouble and had to resubmit claims, etc.<br><br>
Good luck!<br>
Coral Jean</div>
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Thanks! This is really helpful! I think I'm going to go with GEHA.
 

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We have BCBS basic coverage, which is much cheaper than standard but prob still more than GEHA, and it covered it at 100%. However, we went with Birthcare and BCBS only paid about half the birth assistant fee, so we paid about $330 for that, which you can get from your FSA if you plan in advance and have available funds.
 
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