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This week dh and I met with a couple of midwives and I just loved <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/love.gif" style="border:0px solid;" title="love"> them! Dd's birth was in a "birthing center" in a hospital- and was a very medical birth. I am so excited about the thoughts of a natural pregnancy and labor with their support.<br><br>
Unfortunately dh called our insurance and though the policy says they cover midwives and birthing centers, they say our midwives are out of network, there are no in-network midwives and they won't even cover the prenatals at our awful out of network rates. So it looks like this birth is going to be $3000 out of pocket. Dh plans to fight with the insurance, but even if he gets them to help, I doubt they will pay more than $1000 of the $3000 fee. Of course affording a hospital birth out of pocket would be WAY more.<br><br>
I'm really frustrated, and worried about the money. I think we can come up with it, if we don't do a number of things we had planned on (like paying off credit card debts). But I feel like this will be my last baby and I do want to have the best chance possible at the birth of my dreams.<br><br>
NOt sure where I'm going with this.... just wanted to share.
 

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Ok, your experience sounds exactly like what I'm going through right now. I live in Massachusetts and the birth center is is NH and the health plan is currently saying NO WAY will they pay for out of state care. Now I'm juggling with my benefits department to see if there are any options available that I can actually afford. And I love love love my midwife so I don't want to have to try a whole new plan at this point.
 

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Wow... guys, I'm so sorry... I had no IDEA what a hassel this can be for some/so many!! I guess I'm lucky in a way... I have no insurance but in NY state if your pregnant you get medicade and it covers even the hospital stay which is also a birthing center. My midwife, acctually team of midwives are all certified nurses as well and part of a obgyn practice so the whole practice is covered.<br><br>
All you Mama's having a tough time with your insurance... HANG IN THERE!!! And even if your birthing pan doesn't go exactly the way you want it to, delivary, meds, birthing center, hospital or paying an arm in a leg, just remember that the outcome will still be the same!!!! A happy little baby to take home and love!!!! TEE HEE
 

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I just had to post, with our last baby, I wanted a waterbirth at a birthing center and there were non in network so I called the insurance company and they agreed to let me use an out of network place at an in network price, they sent me the letter and then when we billed my insurance they were a holes<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/lol.gif" style="border:0px solid;" title="lol"> , but we did get the price break. So we only ended up paying 800 bucks for our birth and it was perfect!<br><br>
Please dont worry to much there is hope, you just have to be really really persistant. I am more than willing to talk with you on the phone if you would like. Pm for my number or send me yours if you want.<br><br>
Good luck and i hope that it works out, Insurance companies, ahhh<br><br>
Angie<br>
due june 9th with our second, mama to Otis who just turned one and walks!!!!
 

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Discussion Starter #5
Angie, I'd like to know how you talked them into it. Dh has been the one talking to our insurance and they have been as flexible as a brick wall.
 

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I know I've seen websites that talk about how to negotiate insurance for this stuff. Definitely worth a Google.<br><br>
What I've heard is, you argue that it is in their best financial interest. If you have a $3000 birth center birth, will they pay, as their hospital would cost typically $xx000 (almost always much more.)<br><br>
Basically, I've heard of people talking the insurance into paying for it if you can avoid an emergency and costing more by being transported or something.<br><br>
One person in our Bradley childbirth class was able to do this to get a larger childbirth class reimbursement than normally allowed, but only after they had an unmedicated vaginal birth a few months later. Basically, show the insurance that you saved them money.<br><br>
--willo
 

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Discussion Starter #7
Oh, I just realized I should have been more clear in my first post. My insurance says they would cover a birthing center, but there are no birthing centers within a 2 hour drive from me, so we want to opt for a home birth (which would be $3000) There is only one hospital (out of many) here that is in network for my insurance and its not really baby friendly, transfering rooms during labor and all that. The insurance says they don't pay for home births at all, but we do plan to aruge it will be cheaper.<br><br>
Thanks for the tips, I hadn't thought to try google! (and usually its my first stop!)
 
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