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Discussion Starter · #1 ·
I called my insurance company today to get pre-certification on my midwife. I stated that I needed home care services and didn't mention the words home birth. I got way farther that way than I did before but have to wait for "case review". DH won't do it unless there is insurance coverage. Technically I have the money to self fund but since I am losing my job he doesn't want me to pay for it if I can get it for free from an OB.<br><br><img alt="" class="inlineimg" src="/img/vbsmilies/smilies/praying.gif" style="border:0px solid;" title="praying">: <img alt="" class="inlineimg" src="/img/vbsmilies/smilies/waterbirth.jpg" style="border:0px solid;" title="Waterbirth">:
 

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Good luck. The thing you should really tell your husband is that your are NOT by any means getting the same thing for free from your OB. The care is not even comperable. Also look into what your copays are for your insurance. My insurance is pretty good with maternity coverage. A lot of people though still owe thousands from a hospital birth even with good insurance coverage. I know with dd#1 in 2001 we were paying off her insurance paid hospital birth at the hospital I worked at even for almost a year. The other fiscally sound option is to plan on putting the money into a health care spending account which should pay no matter what. It's still your money paying for it, but at least it's tax free. Good luck and tell him that when he has to give birth he can do it wherever he wants<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile"><br>
-KInsey
 

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Discussion Starter · #3 ·
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<div>Originally Posted by <strong>luvmygrrls</strong> <a href="/community/forum/post/7937585"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Good luck. The thing you should really tell your husband is that your are NOT by any means getting the same thing for free from your OB. The care is not even comperable. Also look into what your copays are for your insurance. My insurance is pretty good with maternity coverage. A lot of people though still owe thousands from a hospital birth even with good insurance coverage. I know with dd#1 in 2001 we were paying off her insurance paid hospital birth at the hospital I worked at even for almost a year. The other fiscally sound option is to plan on putting the money into a health care spending account which should pay no matter what. It's still your money paying for it, but at least it's tax free. Good luck and tell him that when he has to give birth he can do it wherever he wants<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/smile.gif" style="border:0px solid;" title="smile"><br>
-KInsey</div>
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I tried telling him that but I had a really good hospital birth so there isn't as much to complain about. I have no fee OB so I would be out the $250 co pay for the hospital and that is it. My premiums monthly for insurance will total $800. So that would be about a third of out of pocket cost for the MW. He gets the whole my body argument but he keeps mentioning it is OUR money. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/greensad.gif" style="border:0px solid;" title="greensad"> I could always just do it but he is already freaking out because I don't want to get another executive job. If you can think of any other way I can do a cost benefit analysis I am open to ideas.
 

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I had two "great, normal, unmedicated" birth with OBGYNs that were essentially free.<br><br>
Paid out of pocket for the midwife, then the last birth (same mw) was covered.<br><br>
It's apples and oranges (or apples and waxed apples; whatever) absolutley worlds apart in terms of everything. He'll see and never want to go back.<br><br>
If your review is denied, you ask for written and then appeal.
 

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Discussion Starter · #5 ·
So I talked to Aetna yesterday and they told me that because I am self insured they can deny my homebirth claim due to their stupid no homebirth policy. I am so emotionally drained from this whole stupid thing. I talked to my mom yesterday morning about paying for it out of my pocket and she told me that having DH support is very important but he isn't denying me birth support just financial support so I should consider just paying for it. It really pains me to do that and I barely slept last night. I wrote him a letter this morning and left it on the desk basically telling him that I am going to pay for this myself and I hope he can just support me on it. He gets home before me and hasn't read it yet. Anyway I have probably cried 3 times today about this already and I am sure I am making a bigger deal out of it than it is which is typical for me. I don't know why this has to be so hard you know?
 

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I'm sorry...I know how frustrating and draining it is to deal with insurance. I wish you the best of luck and hopefully he'll come around!
 
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