I found out at my appointment yesterday that my OB doesn't take the insurance we will have when my hubby changes jobs at the end of the month. I don't know what to do! I researched docs closer to my home when I found out about this pregnancy and none of them were very highly reviewed. I love my OB. She always listens to my concerns, she never rushes through appointments, and she is super understanding of my desires when it has come to declining certain tests/treatments. What do I do? My options seem to be to buy our own insurance for the duration of the pregnancy (super expensive), switch to an OB I will probably hate, or try a homebirth, which scares me to death! I'm not liking any of my choices, really. Please tell me someone else can think of another option!
02-09-2012, 12:50 PM
Could you do a hospital birth with a midwife?
I had a midwife hospital birth with my DS. I also had a doula. My insurance covered my midwife. A doula will always have to be paid for out of pocket. I will be using the same birth team with this baby. Midwives are great. They spend more time visiting and getting to know their patients. You become friends. You are never rushed. They are crunchier around the edges.
02-09-2012, 12:51 PM
How do you find a midwife that will do a hospital birth? The only midwives I've found only do home births.
02-09-2012, 12:58 PM
If Google isn't pulling anything up for you, call the midwives that you have heard of. Midwives (and doulas) love to help mamas have the kind of birth they want. They will most likely be more than happy to refer you to another midwife that has birth rights at a local hospital. You could also look for hypnobirthing or Bradley instructors in your area. They may also be able to guide you in the direction you're wanting to go. You could even look for natural parenting stores in your area and ask them who they know. Places like that are often closely associated with an assortment of midwives and doulas. My local cloth diapering store is a meetup place for all things crunchy.
02-09-2012, 01:02 PM
My midwives (they work as a pair) are a part of an OBGYN practice. They don't do homebirths. If a pregnancy becomes high-risk for any reason, the patient is transferred to one of the OBs in the practice. The midwives still stay on your case and advocate for you if this happens. It's really the best of both worlds. If you have large OBGYN practices in your area, call them up and ask them if they have any midwives.
02-09-2012, 01:17 PM
Yes, the closest and largest practice to me has CNMs, but I've heard horror stories about the practice. You don't get to choose a doctor or midwife to treat you. You kinda belong to the whole practice and you have to see them all, and there are a lot of them. I've heard that people that have had problems end up repeating themselves over and over because they never see the same doc twice. Not my cup of tea. The only highly reviewed practice I've found doesn't have a website, so I can't tell what insurance they take, who their doctors are or anything, other than people like them!
02-09-2012, 01:41 PM
Call the one that people like and ask for a consult. Also I would just call a few of the hb mw and see if they can open up some options for you. Birth center? Will your new ins not cover any part with your old ob? Ours has in network and out if network and they cover less for out of network but sometimes it is worth it to pay the difference. Good luck!
02-09-2012, 02:15 PM
Out of network! Hadn't thought of that... They just said they do not accept the new insurance. I'll have to check it out once I have the details on the new plan.
02-09-2012, 02:27 PM
they don't accept the insurance? what about you paying and being reimbursed by your insurance? could work..?
02-10-2012, 07:33 AM
You could also ask your OB if she recommends anybody. Sounds like you'd trust her opinion. I hope it works out mama!
02-10-2012, 08:36 AM
At this point I think I'm ready to fork over the dough to keep my OB. She knows me, she knows my family, she knows my medical history! I think it won't be too much more to buy our own health insurance than to pay our portion of the premium through DH's job.