[slimkins]

So, we have PPO insurance with Blue Cross and we were paying for our midwife out of network. My insurance still covers 65% after your $500 deductible with anything out of network. We already paid our midwife in full a couple of weeks ago, but we wished that it had been in network obviously. One thing that was weird was I had checked my insurance company's website and there wasn't a single CNM covered in-network in my county. However, there were tons of them in-network in the adjacent county (Los Angeles). When I told my midwife this, she said to call the insurance company and see if they would possibly do an in-network exemption considering I didn't have any in-network options locally. When I called my insurance company they said that they would put a claim in but it probably wouldn't be covered since they only do exemptions if there is nothing in-network within 50 miles (the closest for me is 36 miles but next county over). I got a phone call today that they are going to do the exemption from here on until december! Which is fine because most of the cost is going to be in the end anyways. We will probably still have to pay a tiny, tiny, tiny bit (co-pay and whatnot) but nothing compared to it being out of network.
Woohoo! I never thought my insurance company could make me so happy. Now, I just hope they follow through just as well.

 

[ombrooklyn]

that is awesome news! Congrats, that must be a very good feeling!

 

[dislocator3972]

Congratulations! That's great news!

 

[toonces80]

That is exciting. I am having the same fight with BCBS in NH. The closest midwife in Texas (where I am delivering) that is covered is 65 miles away and they refuse to do any kind of exemption since I am PPO. They will only cover as OON. I have stopped fighting for now and will pick back up in a few months.

Congratulations!