My insurance company (BCBS though a plan through my employer so the employer has to officially approve or deny the appeal) covers midwives as long as I give birth in a birth center, they don't cover them for a home birth. I am planning on a home birth since my labors are very quick so I'm filling out an appeal to see if I can get them to cover the midwife even with a home birth. They want detailed descriptions, expected outcome, and supporting documentation (if any).
I plan to give them an over view of my prior two births, 1st induced at hospital 6 hour labor from the start of the pitocin 5 pushes and he was out. 2nd no contractions to give a warning, woke in the middle of the night (3:30) with my water breaking (though she blocked it from leaking out so I wasn't sure) progressed very quickly and wound up with an unplanned/unassisted homebirth around 7:30, 3 pushes and she was out.
I know part of the concern is that something goes wrong and I will need medical assistance. When we called 911 with my daugher we had EMT's at our house in under 5 minutes. A trip to the hospital from where I'm located is a 10-15 min trip, with sirens probably closer to 10 min.
What else should I cover in my appeal? The typical length of time it takes to prep an OR compared to the length of time it would take us to get to the hospital?
Any advice/input/help is appreciated.