One of the big questions I get asked is... If I hire a midwife or doula, will my insurance company cover her fees? And if so, how do I go about it? This is a very good question!
Paying for Midwifery or Doula Support
There’s one thing we are a bit biased, midwifery and doula support is worth the investment. However, that investment can be a bit challenging for our clients.
Here is some good news.
HOW DOES PAYMENT WORK?
I am not in-network for any insurance companies, but I am happy to provide you with a superbill if needed.
I want my care to be accessible for those who want it and I don’t want for cost to be a barrier to accessing my care.
With that being said, I offer discounts for those on Medicaid, early pay, cash pay, and I also encourage barters.
Do not be afraid to reach out based on cost, we can usually find a way to make it work together!
If you are not currently pregnant, but hoping for a homebirth, consider signing up for a health share instead, see options below under health insurance.
For those looking for holistic midwifery prenatal, postpartum, and well body GYN care. I offer appointments weekly.
Sliding scale available for those who are currently uninsured, unemployed or on Medicaid.
Please be in touch with any questions!
HOW DO I TRANSFER CARE TO YOU?
Great! You’ve decided that a homebirth is the right choice for you and your family! There are two options:
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Get your records from your current provider. It’s great to just have a copy for yourself, so let them know you’d like a copy of your records (any ultrasounds, labwork, prior labor and delivery report, and current prenatal chart) are all helpful to have. You can also have them emailed to me at mpoltests@gmail.com
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Stay with your current hospital based care provider for collaborative care. You can continue appointments with them, most people do an abbreviated schedule of care for instance: 20 weeks for the anatomy scan, 28 weeks for GDM screening and 36 weeks for GBS testing. This is a great option especially for VBACs. In case you needed to transfer you would have an established relationship with this practice and your labwork/ ultrasounds would already be one file.
Health Insurance:
If you have a medical insurance policy with maternity care benefits, a portion of your care may be covered depending on the company and your individual policy. We are non-participating providers for most companies. It would be your responsibility to contact your company to find out what kind of coverage you might expect. After the baby is born, we will provide you with a statement of charges that you can submit it to your company per your agreement with them. Since we are out-of-network providers, any reimbursement from your company will be made to you, per your individual policy details.
We have worked with several Medical Sharing Companies very well and can help you comply with what they require to meet the standards referenced above. Some examples of highly recommended health shares that other clients of mine have used are, Samaritan Ministries, Christian Healthcare Ministries, and Zion Health. They cover homebirth midwifery care 100% and would cover a hospital transfer if necessary as well. They are a great alternative to traditional health insurance for those planning to give birth at home.
We have found the most luck with clients being reimbursed or paying outright with their Health Savings Account (HSA) or Flexible Spending Account (FSA).