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Discussion Starter · #1 ·
I have ZERO expectation of my insurance paying for my homebirth. Not really concerned about it. My midwife says she and her partners have NEVER gotten them to pay -- she'll bill them, though, and see what happens.<br><br>
Paid the midwife her entire fee not too long ago and it was like a huge weight off my chest -- suddenly my homebirth was a REALITY. And it's a great feeling!<br><br>
BUT -- in the case of a transfer of care or hospital transfer I *DO* want my insurance to pay for it! Several people have mentioned "my insurance will only pay for my hospital transfer if..." type scenarios -- could you post those? Are there questions specifically that I should ask them that perhaps I'm not considering? If some complication were to arise later in my pregnancy that would rule out a homebirth or necessitate a transfer of care -- how difficult is that going to be?<br><br>
For those who have done a pre-registration at a hospital without a caregiver who has privileges at that hospital (my caregiver is a CPM and doesn't have hospital privileges) -- who, if anyone, did you list as your caregiver? Did you just leave it blank?
 

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Interesting questions. I've never heard of insurance not paying for a hospital transfer. Of course I'm new here, so my "never" isn't very long. I'm definitely interested in hearing the answers to this set of questions!
 

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I'm pretty sure that if it is an emergency- which a hospital transfer usually is, though not always I suppose, you insurance should cover it. I know my insurances in the past haven't had any requirements as long as if it is not an emergency you go to a hospital where they cover which in my case was all the hospitals in the area anyway.
 

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Discussion Starter · #4 ·
I know at least one person mentioned a requirement to be pre-registered at the hospital their insurance covered.
 

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With my ds (2 1/2 years ago) we transferred to the hospital, throught the ER. I had him vaginally. My insurance didn't pay a cent. The only way they would have paid would have been if I'd had a c-section.<br>
The insurance that you have, is it group or individual? If it's individual, it's unlikely that they'll pay.<br>
Good luck!
 

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You need to know what hospitals are covered, if for some reason you transfer care in labor or have something change in your health/risk status and you go to the hospital by choice, then you would need to be hooked up with that hospital.On the other hand if there is an emergency- not just a transfer of care-- you go by ambulance and the ambulance decides where they are going to take you-- and most of the time the insurance pays for that. ( this would be something like retained placenta, severe hemorrhage, baby needs some sort of help and is not doing well)<br>
2yrs ago when my dh had a brain hemorrhage, we thought he had a migraine anyway we took him to the HMO hospital after sitting there 8 hrs and just one last test before they would give him some meds- woops we are on our way in a ambulance including me riding with them lights and all to another hospital. Not my insurance's first choice but they paid all their part minus our co-pay. Of course the cap limit on spending out of our pocket I thought had been reached but they said no way. So a long story to illustrate that yes your insurance will pay given the right circumstance.
 

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If you have group, they <span style="text-decoration:underline;">should</span> pay. As all the group insurances that I've ever heard of, pay for maternity...The reason being is that if one person wants that coverage, the whold group will have to pay for it, regardless of who might or might not need it. (Unfortunately, I learned about all this the hard way) Do make sure that the hospital you use is on their "list", otherwise you would pay more. Hopefully, you won't need any of this info!<br><img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/thumb.gif" style="border:0px solid;" title="thumbs up"><br>
Good luck!
 
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