So if it came down to it, I would totally pay to have my baby outside of the hospital. But my "issue" lies now in the fact that my birth center will be covered again like last time (because we have to be sneaky and code it as though their OB they have working with them is the provider so the insurance will pay it). When we weren't sure, I was all about the home birth since we thought we'd be paying anyway.
Since now, we are 95% sure that the birth center will be covered again, I'm torn. While I would like to try a homebirth, there's that nagging feeling that we'd then be $3,000 in debt when we've worked so hard to be debt free (other than our mortgage). The birth center is a great option....I had the best experience there last time and this time they are even closer since they moved locations. Now it's less than 10 minutes where before it was 45 minutes away. That was the only "downside" last time.
Because it's still "difficult" to find someone to attend homebirths in Georgia, there's also the issue of *if* I ended up transferring to hospital from a HB, I would not receive a warm welcome in the least. Of course I don't see anything going wrong now, but *if* something were to change in the last part of my pregnancy, then I'd be stressed trying to find an OB that would take me at that stage. I know if I showed up at the hospital in labor, they'd have to "treat" me, but I just hate that feeling.
I just wish homebirths were already being done here and OB's were cool with it and would provide backup so it would make me feel better.
I do feel soooo lucky that I am 10 minutes from the only free standing birth center in our state and had such a great experience there last time so I do have the option of an out-of-hospital birth again. It's just that when we found out insurance will be covering this birth center, it kind of deflated our homebirth consideration. Ugh. I wish I had a magic 8-ball to tell me what to do
Thanks for reading my whiny post!
It's really not fair that we have our options of where to birth our own babies decided by other people. I know I could "technically" have my baby wherever I want, but when there's no support by the medical community or the insurance companies then "technically" doesn't really matter, does it?!!
I does suck that it all comes down to money. I wish we all could birth any place we wanted and that insurance would foot the bill regardless. I'm sorry that your HB plan may have been deflated my the news they gave you. Grrr.
We've had to shell $$$ out of pocket for this upcoming birth (no birth centers in my area) with maybe (big maybe) get some $ back from insurance after all is said and done. We loose everything we paid already if we end up transferring. But they would happily foot almost all my bill if I go where they like. Irks me too.
~Joy~ DS1-8/5/05, DS2-10/18/10 (VBAC#1), DS3- 4/11/12 (VBAC#2!)
Hugs I am sorry. Birth centers aren't even legal in the state of IL so we don't even have that option. You need to do what is best for your family. I am sorry that you have to make this decision. I too wish homebirth was an easier option for woman. It really stinks that our current birth culture in this country takes choices away from us. I pray that you are able to reconcile your decision and be happy with it!
I feel your pain. I am terrified of a hospital transfer because I likely will end up having to pay the $3500 I already payed for the birth center and THEN have to pay about $4000 for the hospital and that is *with* insurance.
I am so scared that it will come to that.
Tyler James born via c-section May 29, 2008 7lb 8 oz 20 inches
Bradley Christian born in the water April 10, 2011 8 lb 6oz 20.5 inches
For us it's the opposite- I would prefer a birthing center but since we have no maternity coverage, homebirth is the (MUCH) cheaper option. I'm very lucky to be in a state (texas) that is so supportive (even if the stupid state doesn't give its school teachers worthwhile benefits).
In the end, our homebirth will cost us about 3000 out of pocket. This still beats the 4000 we paid out of pocket for our hospital birth... and that was AFTER insurance (our deductible then our 20% all the way up to the out-of-pocket maximum).
I really REALLY hate how few options women have out their for maternity coverage, and how few options that coverage gives them.
The money issue was what finally made us decide to birth at a birth center ($15) vs a home birth (~$3000). We have the money but it's our rainy day stash and will have to go to pay for daycare. We're waiting until DH finishes school and gets a real job to try for number two. It's a tough decision but I was VERY happy with how things turned out.
Our insurance completely covered our birth center birth. My short term disability insurance on the other hand is a pain in the butt. If I birthed in a hospital I'd get 70% of my pay for 6 weeks, no questions asked. But we had to be a little sneaky because they don't normally pay out for birth center or home births. Somehow those two options make you less "disabled" than a hospital birth because an OB isn't present.
I know I'm lucky that I even have such a great birth center so I'm not *too* upset, but it just stinks, you know?
And, Amy, that's another thing that we have to think of....if we transferred from a homebirth, it would only cover 50% of the cost, so if we did have a transfer, it would most likely mean more $$$$ than if we tried to have a natural birht in the hospital to begin with since more things would likely be done since it was either an emergency or close to it, so the cost would be outrageous.
We could get the money saved between now and then, but I don't want that to be a worry when I should be enjoying the last half of my pregnancy.
My midwives and birth center are great and I'm always happy with the interaction with them, so I need to focus on that positive aspect!
I wish there were a birth center in my area. Since there isn't and I'm not comfortable with how transfers from home birth are handled it's a natural hospital birth for me.
I'd so go with the birth center in your situation. I think it sounds like a good compromise.
big boy 12.8.07 @ 39+2 7lbs 8oz, 20.5" BFed for 13 months
middle boy 8.12.09 @ 39+4 7lbs 9oz, 21" BFed for 13.5 months
little boy 4.26.11 @ 38+4 6lbs 14oz, 19.5" BFed until 26mo and restarted at 30mo!
baby boy 10.25.13 @ 41+0 8lbs 15oz, 21.5"
8.16.12 & 12.16.12