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Old 09-05-2007, 11:37 AM   #1
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Letter to insurance re: hb

Anyone have any suggetsion for me on where/how to start one?

(sorry if this is in the wrong place )

My insurance doesn't cover midwives/HB and I have read multiple times in different places people have been successful with getting theirs covered by writing to their insurance company... I am clueless on what to write. I have idea but I am sure it's not the complete picture of financial and health wise, what I should write to them... Whats ca-raaaazy is when DS2 was born and we happened to get a bill sent to us that the insurance reiceved, (but ofcourse doesn't pay in full) the birth in total cost over 10 G

If it makes a difference, I am not yet pg and they do covered certain types of birth centers - just haven't really looked into what kind ebcause I am so far from most of them.

Thanks in advance

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Last edited by moonphishers; 09-05-2007 at 11:40 AM.
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Old 09-05-2007, 03:42 PM   #2
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Re: Letter to insurance re: hb

We are in process of this right now. Our letter is drafted and will hopefully go out this week, so I'm not sure yet if we will see a positive response. The situation with our insurance is that they will cover a homebirth with a licensed midwife, however they have to be "in-network." Big shocker that there are no "in-network" midwives who attend homebirth. Just a summary of our letter, I explained our request for a prior-approval for a homebirth with an out of network provider (because there are no in-network providers). I explained that homebirth is a safe option for low-risk women such as myself, explained my personal reasons for wanting a homebirth (in relation to my birth experience with my DD), and then explained the cost portion (using data of how much they paid for DD birth and how much the homebirth will cost). Like I said, not sure if it will be effective, but I'll keep you posted. I also found this website today I thought was sort of helpful.
http://www.gentlebirth.org/archives/CFMInsurance.html
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Old 09-05-2007, 07:56 PM   #3
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Re: Letter to insurance re: hb

MDC has sample letters for your insurance
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Old 09-06-2007, 12:09 AM   #4
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Re: Letter to insurance re: hb

Thanks mamas! My nest move was to check MDC - but, I also thank you bradleymama for the link - very helpful... printed it out and will go in my new file
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