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Discussion Starter · #1 ·
Ok, I have been a lurker on MDC but I have decided I should spend more time posting<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/orngbiggrin.gif" style="border:0px solid;" title="orange big grin"> I recently became pregnant after many rounds of fertility treatments...I am 5wks1day(can you tell I am counting)<br><br>
Well I decided after having our DS in the hospital I will NOT step into the doors of a hospital unless I it is in dire need!!! To make a long story short I was disrespected, had my water broke with out me knowning(started to cry cause I thought I was peeing on myself!), giving pic w/o knowledge(I wish I was kidding), pushed into getting a epidural, yelled at for falling with my son, them taking him to the nursery even after I told them NO...guess I shouldnt of fallen asleep, oh and the NOT pro nursing at all...and that is only some of the BEST parts<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/angry.gif" style="border:0px solid;" title="angry"><br><br>
Well I really want a home birth my insurance when I asked if they covered HB's I was told NO very firmly and that if I decided to go out of network it would cover 60% I have Cigna PPO which is AMAZING if I want to go to a hosital and go through the same experience again<br><br>
There is a free standing birthing center that from what I have read my insurance will cover with what seems to be great nurse midwives. But I keep coming back to wanting to really labor and deliver at home!!!<br><br>
I guess I just need more some kind words and encouragement to do it I just feel like I HAVE to make a descion now and start planning.
 

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If you want a homebirth, plan a homebirth.<br><br>
If your insurance doesn't cover a provider who provides homebirth, you may be able to get a gap exception and force them to cover at in-network rates.<br><br>
-Angela
 

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I would say go with the free standing birth center, and if you "happen" to labor too long...the insurance will still have to pay...KWIM??<br><br><img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/hug.gif" style="border:0px solid;" title="hug">
 

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I'm going through the SAME thing (although I’m not pregnant yet). I have an HMO and there is almost no way that they will pay for a homebirth- if you have a PPO you might have a better chance. Either way I think I’m going to have to pay upfront and then kind of hope to be reimburse after the baby is born.<br><br>
But even if we get no money back heres what I am thinking - homebirth is ONLY 3 - 5,000 MAX. People pay wayyyyyy more for cars and cameras and vacations, and I would pay much more than that to stay out of the hospital!
 

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I would make many financial sacrifices to ensure midwife care for any future pregnancies. It was the best money we ever spent, and worth many times more than what we paid (about $2500 in our case).<br><br>
You might also check with your midwife about whether the laws in your state require insurance to cover you. I wouldn't take their word for it! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/orngbiggrin.gif" style="border:0px solid;" title="orange big grin"><br><br>
Good luck -- I wish you a wonderful, healing birth.
 

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ITA with checking with the midwives in your area that you would consider using. MANY insurance companies have no idea what they are talking about when you call them - I mean 1% of the population homebirths... how many of us have they ACTUALLY talked to?<br><br>
A midwife can give you the actual billing code that she uses for the birth (its usually a global code and not a by the visit sort of thing). THAT is the code you need to ask if they cover. Plus the mws you interview will be able to directly tell you their experiences of getting all or part of the birth covered by your particular insurance company.<br><br>
Finally - even if the ins co is only covering a small portion of it, as others have said it is FAAAAR worth it to pinch and save. In addition, many midwives are willing to barter for services - it can't hurt to ask if you can't find a way to save up for your portion of the fees. I did some marketing stuff for my mw in order to make up for the fee we owed her (about $1500 of the total $3K fee). Course that is the profession I was in before kids... but still you never know - maybe she needs her house cleaned or her kids watched or curtains sewed...<br><br>
Congratulations on your pg! Dont' throw in the proverbial hb towel before you have explored ALL options.
 

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Hi, I live in the area and also have Cigna. Personally for me, while it is a financial sacrifice, I would do anything I could to scrimp and save to have the birth experience which is best for myself and my baby. 60% coverage is better than none at all! (That is what we are doing). And there are a lot of MWs who are willing to work with you on the financial aspect. If you or your partner have any skills whatsoever they may accept barter.<br><br>
If you or partner have a healthcare spending account, that can also help defer the cost a little. Also those lovely little checks we're getting from the government in May. <img alt="" class="inlineimg" src="/img/vbsmilies/smilies/eyesroll.gif" style="border:0px solid;" title="roll"> While on one hand I have issues around the politics of them I can't say that it's not helpful to get $1500 the month before my baby is due. That is nearly the cost of the portion of our homebirth that we will need to cover.<br><br>
The birth center is also a good option. A lot better than the hospital but it still isn't home.
 

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I have Cigna PPO too, and with my first son, the copay/deductible for the hospital birth (even though he was born in the lobby and no hospital staff was involved in the actual birth) was just as much as or more than the cost of a birth center birth or a home birth. It's got great coverage IF you've already spent a small fortune to cover your deductible.<br><br>
This time around, I'm hoping to avoid that and just pay out of pocket for better care and the comfort of a home birth.
 

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I would follow what you want and try to make it work. I looked at the same thing: BC or HB. I wanted the control over my care that I would get with a HB and to not to have to go anywhere while in labor. At a BC, it was better than the hospital, but I would still be under their rules for the privledge of birthing there.<br><br>
I have great insurance coverage... even so, it actually would cost me more to birth in the hospital (paying maximums on both me and baby) than an out-of-network home birth (paying out-of-network percentage + deductible only for me).
 

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I had a *good* hospital birth with my first. I was treated respectfully, had a great fp, and agreed to all changes in my birth plan. I chose to pay out-of-pocket for a homebirth with my second. After experiencing the contrast between these two births, I would take out a personal loan (and I am very anti-debt) before I would birth in a hospital without sufficient cause again.
 

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Congrats on the pregnancy!!! I just wanted to add that I agree with paying for the homebirth if that is what you want. Depending on the state laws, you may be able to get it covered (with a fight of course). If they only cover 60% then I would FOR SURE pay the other 40% to ensure a homebirth. You can even get one of those 0% interest credit cards for 12 months to help you make monthly payments on it.<br><br>
Talk to your midwife and see what her experience is with insurance and homebirth.
 

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Go Roxy!<br><br>
We're doing a homebirth for our first in July, so I can't speak to how insurance will come out in the end. Our midwife is confident they will cover most if not all of it, because of a special situation in our state where insurance companies are supposed to cover services fully if they don't have any in-network options for that service. They don't have any homebirth midwives in network, so it appears that's how it will work. We're planning however, to pay for it out-of-pocket just in case that scenario doesn't pan out. I, too, believe that I would do what I had to to have a homebirth, because of the nearing 40% c-section rate in our area and my fear of inexperienced hospital personnel that are not trained well in natural birth.<br><br>
What's so crazy about this whole situation is that insurance companies could save so much money if they would cover home births. So if you do decide to birth at home, be extra diligent about filing claims, writing letters, following-up. Make them realize how much they saved by you staying home. Keep every person's full name that you speak to with the insurance company and document as much of the communication as possible so you have all your bases covered. Definitely talk to your midwives about what women with your same insurance have gotten back. If you're benefits are through a job, recruit the HR person to help you get details of the policy, see if they can influence the decision and possibly provide you with a health advocate of some kind to sort through the confusing details.<br><br>
There are lots of resources on MDC that provide samples of appeal letters and the process women went through to get some reimbursement, so you're in good hands here.<br><br>
Because insurance law differs so widely in so many states, it's hard to give you advice that I know will actually apply to your situation. But having worked in medical administration for a number of years, I know that the patients who get their denied services covered (in part or full) are the ones who did the most leg work. If you call and they give you NO for an answer, call back 2 more times and see if the answer stays consistent. Ask them to quote the page number in your policy that supports their answer so you can see for yourself that they aren't just feeding you a line. Ins. companies bank (literally) on patients accepting no for an answer and leaving it at that.<br><br>
I'm guessing this is absolutely the last thing I'm going to want to deal with in the days following our baby's birth. So you may want to include your partner on all of this so they are fully prepared to handle it after the birth.<br><br>
I hope my post doesn't sound alarmist. My cnm assures me it will be fine, but like I said, we decided best to save the money in the event it goes differently than we anticipate. If it goes well, we'll have an extra 6k (yes, it's that much here) to invest in the baby's future.<br><br>
Also, isn't the government supposed to be giving many a fairly hefty check as part of the economic stimulus package? This seems like a great way to invest in your local economy and take care of some of the cost of a home birth. We think we're going to put ours towards a post-partum doula!<br><br>
Many, many good wishes to you on your pregnancy!
 

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Discussion Starter · #14 ·
I am soooo glad I came over the MDC to ask my HB questions<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/orngbiggrin.gif" style="border:0px solid;" title="orange big grin"> I usually hangout over on DS and I love alot of the Mamas on there but there isnt much HB info.<br><br>
I am really going to talk to DH about it and look at MWs in the area I am considering looking at the birthing center but the sad thing is I KNOW if DH looks at the birthing center he is going to be ALL about it. I think part of him is scared cause we had to try sooo hard to get Pregnant going through many rounds of fertility treatments
 

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fwiw, many midwives are very flexible about taking payments. We're currently seeing one who is letting us pay the birth off over 10 months (most of which are AFTER his delivery).
 
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