Birthing Centers and homebirth is not always covered by all insurances, nor by all insurance policies. Everyone's policy differs. You may have a great policy that includes specialists for high-risk care, but excludes midwifery and/or out-of-hospital care. However we have made midwifery care cash affordable. Because of complicated billing we choose to to give you a superbill for reimbursement, and accept cash upfront.
The Natural Birthing Center expects your entire birth package fee to be paid in full before you deliver, regardless of whether you have insurance or are paying directly. We offer a discounted cash rate for paying in full by 32 weeks. There are no surprise fee's after delivery and no extra charges for acompannying you to the hospital in the rare circumstance that happens.
We have found that if we help you submit your bill to the insurance company yourself, the reimbursement is higher and the check is mailed directly to you. There is no middle man, and no 8 percent fee. We have found that your reimbursment is better when you submit the bill on your own behalf (with our help) rather than utilizing a third party biller who takes eight percent. Please call for more information. We are as honest and upfront as possible. We do not want you to be hit with a crazy unexpected bill that your insurance did not cover.
There is no gaurantee what any one insurance company will pay, of if they will pay. But if you pay the birth fee before the birth and by 32 weeks, you will never have to pay more than we agreed upon. We discuss this thoroughly, verbally and in writing at your first visit. We are not in network with any insurance company. The following insurance companies have paid a portion of the costs associated with a birth center or home birth:
Tricare Select ( out of network- but usually close to 50% reimbursement)
Blue Cross/Blue Shield ( out of network)
Aetna ( out of network)
Humana ( Out of network0
Cigna ( Out of network)
United Healthcare ( Out of Network, but has reimbursed well)
Christian Healthcare Ministries- In Net Work
Samaritan Ministries- In Net Work
Medishare (out of network- but works well with midwives)
You will get the most money back if you submit a superbill after your delivery. We help with that process.
If you have questions regarding payment or your insurance, please contact us.
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