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I dont want to go to hospital, to scarad to do UC and dont have 3500 to pay HB midwife out of pocket now what?
insurance refuses to cover HB
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<div>Originally Posted by <strong>ohiomommy1122</strong> <a href="/community/forum/post/7950970"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">I dont want to go to hospital, to scarad to do UC and dont have 3500 to pay HB midwife out of pocket now what?</div>
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Where in Ohio are you? Which insurance do you have?
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<div>Originally Posted by <strong>ohiomommy1122</strong> <a href="/community/forum/post/7950970"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">I dont want to go to hospital, to scarad to do UC and dont have 3500 to pay HB midwife out of pocket now what?</div>
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Where in Ohio are you? Which insurance do you have?
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Im in Toledo I have paramount--- they say they have the best in network docs and will not do out of network! Maybe I could switch to another HMO to see what they say
Does Ohio have a law or anything that says insurance companies must cover licensed midwives? You could call a licensed midwife and find out...<br><br>
I know that my insurance company (Aetna) said they only pay for a licensed midwife if mandated by the state. I'm in Texas and it is mandated here that they cover it...so I got lucky.
I know that my insurance company (Aetna) said they only pay for a licensed midwife if mandated by the state. I'm in Texas and it is mandated here that they cover it...so I got lucky.
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<div>Originally Posted by <strong>ohiomommy1122</strong> <a href="/community/forum/post/7951793"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Im in Toledo I have paramount--- they say they have the best in network docs and will not do out of network! Maybe I could switch to another HMO to see what they say</div>
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Ohiomommy I just went through this with my insurance. My employer is self insured so they are not required to follow state regulations. I already argued with Aetna this morning about their blanket no homebirth policy and basically since my insurance is self funded I am SOL. I tried doing a pre-certification and basically they can do whatever they want. But hey I could deliver in an ambulance and it would be covered <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/lol.gif" style="border:0px solid;" title="lol"> . Call your insurance company and find out if your company is self insured. The insurance commisioner said if they are <span style="text-decoration:underline;">not</span> self funded they have to comply with what the insurance commisioner designates. If I wasn't self insured I could make the <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/censored.gif" style="border:0px solid;" title="censored"> pay <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/FIREdevil.gif" style="border:0px solid;" title="devil">
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<div>Originally Posted by <strong>ohiomommy1122</strong> <a href="/community/forum/post/7951793"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Im in Toledo I have paramount--- they say they have the best in network docs and will not do out of network! Maybe I could switch to another HMO to see what they say</div>
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Ohiomommy I just went through this with my insurance. My employer is self insured so they are not required to follow state regulations. I already argued with Aetna this morning about their blanket no homebirth policy and basically since my insurance is self funded I am SOL. I tried doing a pre-certification and basically they can do whatever they want. But hey I could deliver in an ambulance and it would be covered <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/lol.gif" style="border:0px solid;" title="lol"> . Call your insurance company and find out if your company is self insured. The insurance commisioner said if they are <span style="text-decoration:underline;">not</span> self funded they have to comply with what the insurance commisioner designates. If I wasn't self insured I could make the <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/censored.gif" style="border:0px solid;" title="censored"> pay <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/FIREdevil.gif" style="border:0px solid;" title="devil">
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My insurance has inetwork midwives that do not do homebirths only hospital births so they said if I want a mid wife I have to go through those midwives--<br>
midwife I talked to said (who does HB) said people w/ paramount have never had any luck
midwife I talked to said (who does HB) said people w/ paramount have never had any luck
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<div>Originally Posted by <strong>ohiomommy1122</strong> <a href="/community/forum/post/7962811"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">My insurance has inetwork midwives that do not do homebirths only hospital births so they said if I want a mid wife I have to go through those midwives--<br>
midwife I talked to said (who does HB) said people w/ paramount have never had any luck</div>
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The key here is self insured or not. Because of WA law I could have the insurance commissioner force Aetna regardless of their "policy" except if I am self insured. Is your company self insured?
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<div>Originally Posted by <strong>ohiomommy1122</strong> <a href="/community/forum/post/7962811"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">My insurance has inetwork midwives that do not do homebirths only hospital births so they said if I want a mid wife I have to go through those midwives--<br>
midwife I talked to said (who does HB) said people w/ paramount have never had any luck</div>
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The key here is self insured or not. Because of WA law I could have the insurance commissioner force Aetna regardless of their "policy" except if I am self insured. Is your company self insured?
I am in Ohio and my home birth was covered by Medical Mutual ( although I had to fight them for it! ) FYI Ohio does not give licensure to home birth midwives. CNMs are not permitted to do home birth here either. My midwife is direct-entry, however she is recognized as a health care provider because she is a certified childbirth educator. I am in Mahoning County, quite a ways from Toledo <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/greensad.gif" style="border:0px solid;" title="greensad"> I doubt she would travel that far, otherwise I'd give you her name.
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271 Posts
Payment plans,<br>
Barter,<br>
Beg<br>
Borrow<br>
Tax refund<br>
fundraiser<br>
garage sales<br><br><br>
Ummm. I would have paid twice what we paid our midwife to stay out of the hospital unless I need it, and this is on the salary of a [fulltime student as well as mother] doula and a stagehand. I didn't do this for myself or my babies in my other pregnancies and it was just *the* only option for us. So we made it work. If it isn't that important to other people, I can understand that, but there was just no way I was going to be treated like crap and allow people to attempt to scare me into cooperation in a medical facility again for a normal and healthy pregnancy and birth.
Barter,<br>
Beg<br>
Borrow<br>
Tax refund<br>
fundraiser<br>
garage sales<br><br><br>
Ummm. I would have paid twice what we paid our midwife to stay out of the hospital unless I need it, and this is on the salary of a [fulltime student as well as mother] doula and a stagehand. I didn't do this for myself or my babies in my other pregnancies and it was just *the* only option for us. So we made it work. If it isn't that important to other people, I can understand that, but there was just no way I was going to be treated like crap and allow people to attempt to scare me into cooperation in a medical facility again for a normal and healthy pregnancy and birth.
Our insurance co says they won't pay but they're going to bill anyway. They said many say that and then WILL pay. Plus, they will often pay for your prenatal visits, labs, etc.. but then you only need to pay the rest and midwives will often work with you on that.
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5,835 Posts
Just another thought...have you looked at EVERY homebirth midwife in the area? What about ones who are in MI, but will travel to Toledo as part of their birthing area?<br>
(also..I am in Toledo RIGHT NOW visiting my family!! I am from here! heehee)<br><br>
I'm asking because maybe you can find a cheaper one.....I live just over in Indiana, and my midwife charges $2000 for her homebirth package.....not cheap, but almost 50% less....<br><br>
Here is a list of midwives within a 50 mile radius of you..<br><br>
Click here to expand Search to 125 miles.<br><br>
Birth Your Way(2)<br><br>
Toledo, OH 43608<br><br>
Born2BaBlessing(5)<br>
2328 Townley Rd.<br>
Toledo, OH 43614<br><br>
Mother's Own Birth Center(9)<br>
1715 W. Dean Road<br>
Temperance, MI 48182<br><br>
Riverside Midwifery(40)<br>
Amanda Topping, CPM<br>
Ypsilanti, MI 48197<br><br>
Mother's Love Midwifery/ Michigan Midwife(45)<br>
Adarsa Antares Homebirth/Waterbirth (CPM)<br>
Ann Arbor, MI 48103<br><br>
Trillium Birth Services(46)<br>
1611 Chandler Rd.<br>
Ann Arbor, MI 48105
(also..I am in Toledo RIGHT NOW visiting my family!! I am from here! heehee)<br><br>
I'm asking because maybe you can find a cheaper one.....I live just over in Indiana, and my midwife charges $2000 for her homebirth package.....not cheap, but almost 50% less....<br><br>
Here is a list of midwives within a 50 mile radius of you..<br><br>
Click here to expand Search to 125 miles.<br><br>
Birth Your Way(2)<br><br>
Toledo, OH 43608<br><br>
Born2BaBlessing(5)<br>
2328 Townley Rd.<br>
Toledo, OH 43614<br><br>
Mother's Own Birth Center(9)<br>
1715 W. Dean Road<br>
Temperance, MI 48182<br><br>
Riverside Midwifery(40)<br>
Amanda Topping, CPM<br>
Ypsilanti, MI 48197<br><br>
Mother's Love Midwifery/ Michigan Midwife(45)<br>
Adarsa Antares Homebirth/Waterbirth (CPM)<br>
Ann Arbor, MI 48103<br><br>
Trillium Birth Services(46)<br>
1611 Chandler Rd.<br>
Ann Arbor, MI 48105
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148 Posts
ohio is like one of the worst states to have a child in. they are conservative and restrictive. certified midwives are greatly limited in what they can do. they also have a hard time getting insured and getting jobs. sad to say it is a dying practice in ohio. all of my midwifery friends are leaving and going to other states or not practicing at all. i am sorry you are having such a difficult time wiht your insurance company. if you have a hospital birth just remember to have a well thought out birth plan and stick to what you want!
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3500 is more than either of the midwife places here...is that really how much it costs? Have you looked for other ones? There are 2 around me here, one is $1950 and the other is $2600. I'm going with the $2600 one but all I have to pay with them is $150 deductible and 20%, insurance pays the rest. If insurance wouldnt' have, I would have gone with the $1950 and they will work with you.
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3,646 Posts
My MW costs $5000. I would pay $10,000 or more to stay out of the hospital!<br><br>
She is going to bill the insurance co for $7000 in an attempt to get $5000. If she gets less than $5000, i have to pay the difference.<br><br>
How about if your MW bills for a whole bunch of small services, like home-care or something like that?
She is going to bill the insurance co for $7000 in an attempt to get $5000. If she gets less than $5000, i have to pay the difference.<br><br>
How about if your MW bills for a whole bunch of small services, like home-care or something like that?
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<div style="margin:20px;margin-top:5px;">
<div class="smallfont" style="margin-bottom:2px;">Quote:</div>
<table border="0" cellpadding="6" cellspacing="0" width="99%"><tr><td class="alt2" style="border:1px inset;">
<div>Originally Posted by <strong>bobandjess99</strong> <a href="/community/forum/post/7998882"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Just another thought...have you looked at EVERY homebirth midwife in the area? What about ones who are in MI, but will travel to Toledo as part of their birthing area?<br>
(also..I am in Toledo RIGHT NOW visiting my family!! I am from here! heehee)<br><br>
I'm asking because maybe you can find a cheaper one.....I live just over in Indiana, and my midwife charges $2000 for her homebirth package.....not cheap, but almost 50% less....<br><br>
Here is a list of midwives within a 50 mile radius of you..<br><br>
Click here to expand Search to 125 miles.<br><br>
Birth Your Way(2)<br><br>
Toledo, OH 43608<br><br>
Born2BaBlessing(5)<br>
2328 Townley Rd.<br>
Toledo, OH 43614<br><br>
Mother's Own Birth Center(9)<br>
1715 W. Dean Road<br>
Temperance, MI 48182<br><br>
Riverside Midwifery(40)<br>
Amanda Topping, CPM<br>
Ypsilanti, MI 48197<br><br>
Mother's Love Midwifery/ Michigan Midwife(45)<br>
Adarsa Antares Homebirth/Waterbirth (CPM)<br>
Ann Arbor, MI 48103<br><br>
Trillium Birth Services(46)<br>
1611 Chandler Rd.<br>
Ann Arbor, MI 48105</div>
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Linda is who I spoke w/ at mothers Own is there a way I can get # to these other midwives listed
<div class="smallfont" style="margin-bottom:2px;">Quote:</div>
<table border="0" cellpadding="6" cellspacing="0" width="99%"><tr><td class="alt2" style="border:1px inset;">
<div>Originally Posted by <strong>bobandjess99</strong> <a href="/community/forum/post/7998882"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Just another thought...have you looked at EVERY homebirth midwife in the area? What about ones who are in MI, but will travel to Toledo as part of their birthing area?<br>
(also..I am in Toledo RIGHT NOW visiting my family!! I am from here! heehee)<br><br>
I'm asking because maybe you can find a cheaper one.....I live just over in Indiana, and my midwife charges $2000 for her homebirth package.....not cheap, but almost 50% less....<br><br>
Here is a list of midwives within a 50 mile radius of you..<br><br>
Click here to expand Search to 125 miles.<br><br>
Birth Your Way(2)<br><br>
Toledo, OH 43608<br><br>
Born2BaBlessing(5)<br>
2328 Townley Rd.<br>
Toledo, OH 43614<br><br>
Mother's Own Birth Center(9)<br>
1715 W. Dean Road<br>
Temperance, MI 48182<br><br>
Riverside Midwifery(40)<br>
Amanda Topping, CPM<br>
Ypsilanti, MI 48197<br><br>
Mother's Love Midwifery/ Michigan Midwife(45)<br>
Adarsa Antares Homebirth/Waterbirth (CPM)<br>
Ann Arbor, MI 48103<br><br>
Trillium Birth Services(46)<br>
1611 Chandler Rd.<br>
Ann Arbor, MI 48105</div>
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Linda is who I spoke w/ at mothers Own is there a way I can get # to these other midwives listed
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38 Posts
Birthpartners.com<br><br>
Some of the phone numbers:<br><br>
Adarsa Antares Homebirth/Waterbirth (CPM)<br>
615 Barber<br>
Ann Arbor, MI 48103<br>
734-972-8775<br>
e-mail me at <a href="mailto:[email protected]">[email protected]</a> or look at my website <a href="http://www.motherslovemidwifery.com" target="_blank">www.motherslovemidwifery.com</a><br><br>
Trillium Birth Services<br>
1611 Chandler Rd.<br>
Ann Arbor, MI 48105<br>
734 222-0011<br>
I offer visits in your home or my home office. I also offer a sliding scale for midwifery and doula services and am able to accept some insurance plans.<br><a href="http://www.trilliumbirthservices.com" target="_blank">www.trilliumbirthservices.com</a><br><br><br>
Mother's Own Birth Center<br>
1715 W. Dean Road<br>
Suite C<br>
Temperance, MI 48182<br>
866-920-8100<br>
734-847-8100<br>
734-847-6824<br><a href="http://www.mothersownbirth.com/" target="_blank">www.mothersownbirth.com/</a><br><br><a href="http://www.born2bablessing.com" target="_blank">http://www.born2bablessing.com</a><br>
2328 Townley Rd.<br>
Toledo, OH 43614<br>
419-385-9704<br>
419-346-1486<br><br>
Birth Your Way<br>
Toledo, OH 43608<br>
419-726-6817<br><br>
And midwives willing to travel<br><a href="http://www.birthpartners.com/Search/Midwife_to_Travel.aspx" target="_blank">http://www.birthpartners.com/Search/...to_Travel.aspx</a><br><br>
Also these midwives don't do home births, they deliver at St Joseph Mercy hospital, but they charge about $2300 for a vaginal birth, and put you on a monthly payment plan during the pregnancy:<br>
IHA Nurse-Midwives<br>
4936 Clark Rd, Bldg D, Ste 100<br>
Ypsilanti, MI 48197<br>
Phone: 7344341404<br>
Email: <a href="mailto:[email protected]">[email protected]</a><br>
Web: <a href="http://www.ihacares.org" target="_blank">www.ihacares.org</a>
Some of the phone numbers:<br><br>
Adarsa Antares Homebirth/Waterbirth (CPM)<br>
615 Barber<br>
Ann Arbor, MI 48103<br>
734-972-8775<br>
e-mail me at <a href="mailto:[email protected]">[email protected]</a> or look at my website <a href="http://www.motherslovemidwifery.com" target="_blank">www.motherslovemidwifery.com</a><br><br>
Trillium Birth Services<br>
1611 Chandler Rd.<br>
Ann Arbor, MI 48105<br>
734 222-0011<br>
I offer visits in your home or my home office. I also offer a sliding scale for midwifery and doula services and am able to accept some insurance plans.<br><a href="http://www.trilliumbirthservices.com" target="_blank">www.trilliumbirthservices.com</a><br><br><br>
Mother's Own Birth Center<br>
1715 W. Dean Road<br>
Suite C<br>
Temperance, MI 48182<br>
866-920-8100<br>
734-847-8100<br>
734-847-6824<br><a href="http://www.mothersownbirth.com/" target="_blank">www.mothersownbirth.com/</a><br><br><a href="http://www.born2bablessing.com" target="_blank">http://www.born2bablessing.com</a><br>
2328 Townley Rd.<br>
Toledo, OH 43614<br>
419-385-9704<br>
419-346-1486<br><br>
Birth Your Way<br>
Toledo, OH 43608<br>
419-726-6817<br><br>
And midwives willing to travel<br><a href="http://www.birthpartners.com/Search/Midwife_to_Travel.aspx" target="_blank">http://www.birthpartners.com/Search/...to_Travel.aspx</a><br><br>
Also these midwives don't do home births, they deliver at St Joseph Mercy hospital, but they charge about $2300 for a vaginal birth, and put you on a monthly payment plan during the pregnancy:<br>
IHA Nurse-Midwives<br>
4936 Clark Rd, Bldg D, Ste 100<br>
Ypsilanti, MI 48197<br>
Phone: 7344341404<br>
Email: <a href="mailto:[email protected]">[email protected]</a><br>
Web: <a href="http://www.ihacares.org" target="_blank">www.ihacares.org</a>
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