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Old 04-12-2012, 12:56 PM   #11
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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.

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Old 04-12-2012, 03:59 PM   #12
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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!
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Old 04-13-2012, 06:36 AM   #13
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Re: How to afford a Midwife?

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Originally Posted by li'l skeeter View Post
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.
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Old 04-13-2012, 06:55 AM   #14
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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.
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Old 04-13-2012, 06:59 AM   #15
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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.
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Old 04-13-2012, 09:10 PM   #16
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Re: How to afford a Midwife?

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Originally Posted by Serenajean1 View Post
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.
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Old 04-16-2012, 06:27 PM   #17
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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.
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