[LoveLife]

Hi, sorry to x-post, but someone recommened that I put this question here...<br><br><br>
I am trying to talk to my insurance about the possibilty of a homebirth (licensed and certified midwives are covered, so I'm hoping homebirth will be too.) I'm not pregnant yet, but DH NEEDS to know if the insurance will cover it or not, just to help us prepare for the fincancial costs of having a baby. So we're trying to get that figured out.. I know that it would probably be cheeper than a hossy birth- but he needs numbers.<br><br>
Its a little confusing... She said its not denied, but they can't say yes it would be approved. (She also said they couldn't descriminate against a homebirth.) She was very helpful and told me that I need to find out how they bill, and procedure codes/dignosis codes as well at the provider type (apparently there is a code for that too.)<br><br>
Has anyone had any experience with this or any advice they can give me? We have Blue Cross/blue sheild. (And just wait til the baby is born and hope it goes through isn't an option. LOL.)<br><br>
Thanks for all the help!

 

[alegna]

Sadly there is no way to get a for sure answer. My best advice would be to plan as if it won't be covered, then when some of it is you have a nice chunk saved to do something else with <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/thumb.gif" style="border:0px solid;" title="thumbs up"><br><br>
-Angela

 

[Bellejar]

I would get a copy of your summary plan description, if you request one in writing they will provide it. Read the portions on childbirth and see what they say exactly. Are there any state laws requiring coverage for midwives in your state? You should call your insurance commisioner and find out. Note: if you have a self-funded insurance plan it will not be governed necessarily by state laws, but rather subject to ERISA (a federal law) and at that point they can deny almost anything as long as it is not contrary to the Summary plan description. Good Luck<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/winky.gif" style="border:0px solid;" title="Wink">