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Thread: CNMs, Home Birth & Insurance
01-28-2008, 02:00 PM #1
CNMs, Home Birth & Insurance
I am hoping to get pregnant by the end of this year. At this point, I want to have a home birth attended by a midwife. I found someone in town who seems like a good fit, but here's my question...
Do I do all of my prenatal treatment with her even though my insurance company will only cover part of it or should I do prenatal care with a regular doctor and then do the minimum with her but obtain all my medical records from my obgyn???
I'm pretty sure we'll be stuck completely with the cost of the home birth though. I doubt my insurance company will get on board with that!
Anyone else do the home birth / midwife thing?
01-28-2008, 02:55 PM #2
I've had 9 home births...
I've had 9 home births with the same CNM. Our health insurance does not cover any of costs. If you can get a discounted price from your midwife you might consider having your HMO OBGyn do some of the pre-natal visits. But a good midwife wants to see you and do all the pre-natal. You build a relationship with the midwife and she learns a great deal about you from those visits. It's not just having your weight and measurements taken, a home birth is personal and all about taking care of mom and baby. It's not about hospital protocol or what's most convenient for the OB. (Hope I don't offend anyone...this is my first post here...)
Anyway, being in business for herself, my midwife has traded work with my husband (carpentry), and has french doors, a sun room addition, a gorgeous deck, and various other projects under her belt from him! The last baby we had my husband said up front he was too busy to do side work, we would be paying cash...she was bummed. So you could ask about that sort of thing. One time, we were short $ and she let us make payments longer than normal (usually all payments are due before baby's due date.) God bless you, babies are great!
01-28-2008, 03:06 PM #3
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Very true about building a good relationship w/ your midwife. My midwife has become my best friend. I have had 7 hospital births & 3 homebirths, & personally, I would rather have as little to do w/ doctors as possible b/c alot of them are biased against HB. I had asked my midwife once about insurance & some do pay for a midwife while others do not. If I were to have a hospital birth, the amount that I would have to pay out of pocket would be the same-if not more- than what I would be paying my midwife($900). Plus, I would be recieving much better care w/ a midwife than I would w/ a dr.
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01-28-2008, 03:10 PM #4
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I live in Canada, so this answer may not be helpful to you.
Up here, midwives are employed by the government of Canada. They are on a salary. I was not covered by Canadian health insurance when I had Rachel, and all we had to pay for was the ultrasounds and any other specialist visits or services.
The choice to use a midwife and have a homebirth was definitely right for me. I loved having my baby in the familiar surroundings of my home. If I were to ever have more children, having had both a hospital birth and a home birth, I would definitely repeat the home birth experience.
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