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Old 08-13-2007, 08:50 PM   #1
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Well hell..what do I do now?

So, after making some phonecalls, I found out DH's insurance through his employer will NOT cover the birth center or any of its affiliated costs. Not even the prenatal care.

How depressing! It's where I had DD, and we were on state insurance at that time...so we didnt even pay partial. I love, love, love the birth center, and I so badly wanted to be cared for by the same Midwife that delivered Gemma and took care of me when I had a placenta complication after coming home. Now I just don't know what to do.

The insurance company doesnt cover ANY Nurse Midwives within a 200 mile radius, and doesnt cover any other birth centers.

Paying out of pocket for it just isnt realistic. We just barely squeek by on our bills now....and I know we wont have a way to come up with $5000 by the time I'm 30 weeks pregnant (per birth center legal requirments).

So now I'm looking at having to see a regular OB! The thought just makes me ill. I saw one for the first 13 weeks of my last pregnancy, and have no desire to see one ever again. The way I view this process is pretty much 180 degrees from the way they do...and I dont look forward to all the poking, proding and conflicts.

What do I do!? I just do NOT want to have this baby in the Hospital!!!!!
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Old 08-13-2007, 08:54 PM   #2
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Re: Well hell..what do I do now?

I understand. Insurance in East TN is all about politics and money. I know how you feel.
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Old 08-13-2007, 08:55 PM   #3
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Re: Well hell..what do I do now?

Have a home birth..haha...get the OB care, but skip the hospital birth.. Outside of that..I'm not sure mama... Hopefully you will figure something out.
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Old 08-13-2007, 09:02 PM   #4
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Re: Well hell..what do I do now?

i hope your able to get it worked out so you can somehow get the birthing center birth you want
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Old 08-13-2007, 09:04 PM   #5
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Re: Well hell..what do I do now?

I'd say go for the homebirth! That is if everything went good last time Good luck, I know everything seems so much more frustrating when you are prego
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Old 08-13-2007, 09:06 PM   #6
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Re: Well hell..what do I do now?

Have you tried to get Medicaid? Even on top of your insurance...I don't know how that would work, but you might look into it. And then it could still cover your birth center?
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Old 08-13-2007, 09:59 PM   #7
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Re: Well hell..what do I do now?

Did you have your DD at the Lisa Ross Birthing Center? Where are you in East Tennessee? I'm sort of in the same boat. If you are in Knoxville there is a practice at Fort Sanders that has two midwives that deliver at the hospital. I have insurance through a hospital so I have a 2000 dollar co-pay if I want to use the birthing center...
I'm going to check out the midwives tomorrow but have had good recomendations from my cousin and a woman at church. I know it is still a hospital but at least it would be midwives instead of an OB... If you aren't in the Knoxville area then disregard all my advice and just take a huge hug. I know how you are feeling
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Old 08-14-2007, 11:11 AM   #8
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Re: Well hell..what do I do now?

Quote:
Originally Posted by Mommy2LivandNoah View Post
Have a home birth..haha...get the OB care, but skip the hospital birth.. Outside of that..I'm not sure mama... Hopefully you will figure something out.
I was thinking that too but you'd totally have to be cool with a uc(unassisted childbirth). I am running into the same issue mama and I'm not sure what we are going to do. My husband is all for the hospital so he'd NEVER consent to a UC.
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