Diaper Swappers

sparkygirl74 · 04-12-2012, 12:56 PM

We just found out that DH's Federal employee insurance is one of the only insurances that don't cover homebirth here. Apparently there are state and local mandates but since it is a federal program they don't feel like they need to

We are looking into switching insurance to see if that helps.

li'l skeeter · 04-12-2012, 03:59 PM

sparkygirl: I have federal employee insurance too and with several choices, I did find one in my area that will cover homebirths! Of all the choices, ONLY ONE! I looked into it during the open season last nov-dec. and decided to make the switch at that time while I could...i'd be happy to share my info. with you if it might help!

sparkygirl74 · 04-13-2012, 06:36 AM

Quote:

Originally Posted by li'l skeeter

sparkygirl: I have federal employee insurance too and with several choices, I did find one in my area that will cover homebirths! Of all the choices, ONLY ONE! I looked into it during the open season last nov-dec. and decided to make the switch at that time while I could...i'd be happy to share my info. with you if it might help!

That would be awesome! DH has been talking to whoever is in charge and it looks like we will be able to make any change retroactive to a birth.

clatchford2011 · 04-13-2012, 06:55 AM

Some MW's may take payments. What I would do is set aside a specific amount each paycheck to pay her off when the time comes. I am setting a little aside each check to pay for my placenta encapsulation.

2+2macht4 · 04-13-2012, 06:59 AM

Wow I never realized midwives were so expensive in the US. DOctors do not deliver babies her, medical emergencies aside, and our insurance covers the midwife on duty. If you want to hire a certain midwife for labor you pay 300 euro home or hospital birth.

And all prenatal as well as in home post natal care is covered.

rosefall · 04-13-2012, 09:10 PM

Quote:

Originally Posted by Serenajean1

Wow I never realized midwives were so expensive in the US. DOctors do not deliver babies her, medical emergencies aside, and our insurance covers the midwife on duty. If you want to hire a certain midwife for labor you pay 300 euro home or hospital birth.

And all prenatal as well as in home post natal care is covered.

Where I am, midwife attended homebirths aren't entirely legal, so insurance would never touch them.

I can have a birthing center birth attended by a midwife for free (including prenatal and postnatal care), or I could have a homebirth for a couple thousand dollars. That's one of the main reason's we're not looking into homebirth.

hwinte87 · 04-16-2012, 06:27 PM

My MW office takes payment up front as well. Had my first visit today and it was $700, but that is our "co-insurance" which is 20% of the total bill for everything. Thankfully we have a Health Savings Account and have a good amount saved in it so we didn't need to set up a payment plan, although that was an option.

04-12-2012, 12:56 PM	#11
sparkygirl74 Registered Users Join Date: Apr 2006 Location: WNY Posts: 586 Ratings: 67 Feedback: 100%	Re: How to afford a Midwife? We just found out that DH's Federal employee insurance is one of the only insurances that don't cover homebirth here. Apparently there are state and local mandates but since it is a federal program they don't feel like they need to We are looking into switching insurance to see if that helps.

04-12-2012, 03:59 PM	#12
li'l skeeter Registered Users Join Date: Jan 2011 Location: Way North Idaho Posts: 62 Ratings: 8 Feedback: 100%	Re: How to afford a Midwife? sparkygirl: I have federal employee insurance too and with several choices, I did find one in my area that will cover homebirths! Of all the choices, ONLY ONE! I looked into it during the open season last nov-dec. and decided to make the switch at that time while I could...i'd be happy to share my info. with you if it might help!

04-13-2012, 06:55 AM	#14
clatchford2011 Registered Users Join Date: Dec 2011 Location: Savannah, HAAF, GA Posts: 1,533	Re: How to afford a Midwife? Some MW's may take payments. What I would do is set aside a specific amount each paycheck to pay her off when the time comes. I am setting a little aside each check to pay for my placenta encapsulation. __________________ Catie : Married to my Soldier and bestfriend for 4 awesome years, Mommy to my little sunshine Isabel Born 12/30/2008 and my little rainbow Jacob Born 11/15/2012

04-13-2012, 06:59 AM	#15
2+2macht4 Wahm Moderator Join Date: Oct 2010 Location: I live in Southwest Germany, but have a mailing address stateside in Oregon:) Posts: 10,413 Ratings: 153 Feedback: 100%	Re: How to afford a Midwife? Wow I never realized midwives were so expensive in the US. DOctors do not deliver babies her, medical emergencies aside, and our insurance covers the midwife on duty. If you want to hire a certain midwife for labor you pay 300 euro home or hospital birth. And all prenatal as well as in home post natal care is covered. __________________ Rena crunchy, ecclectic SAH expat mommy to Lu (12/22/2010) and Ez (10/28/2012). Married to my myspace BFF T and living in Germany since 2008.

04-16-2012, 06:27 PM	#17
hwinte87 Registered Users Join Date: Sep 2010 Location: Atlanta Posts: 316 Ratings: 15 Feedback: 100% My Mood:	Re: How to afford a Midwife? My MW office takes payment up front as well. Had my first visit today and it was $700, but that is our "co-insurance" which is 20% of the total bill for everything. Thankfully we have a Health Savings Account and have a good amount saved in it so we didn't need to set up a payment plan, although that was an option. __________________ Hillary, SAHM to 3 beautiful boys: Owen, Asher, and Leo.