Lack of sleep makes you think of crazy things.

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kridda_88's picture
Joined: 01/28/08
Posts: 1798
Lack of sleep makes you think of crazy things.

Yep crazy things for sure. So I was thinking about how my insurance wont let me do a home delivery, at least what we have now, and so my only choice other than my OB is the midwives that are a 45 minute drive away and work in a hospital. Well most of you know I'm not too keen on another hospital birth, it just seems that my birth is out of my control, like I don't have much of a say in how things go with the birth of my child. Anyway, so I came up with this crazy plan. I'll wait as long as I can to go to the hospital, like until I hit transition, my transition lasts around 45 minutes, then head in. That way if I do actually make it to the hospital then they wouldn't have a chance to do stuff I don't want them to do. Smile lol. Just a thought, not a plan. Though having my baby at home or in the car on the way to the hospital would for sure give me more of the birth I want. I would much rather have a midwife at my house and everything be peaceful and calm.

Just wanted to let you guys know that I have officially lost my mind due to lack of sleep. ROFL

Just a last point, I don't think I would actually do this. So no criticizing please. I'm just frustrated and disappointed that I will most likely end up with another hospital birth unless something changes between now and the next pregnancy. But this scenario should give you gals an idea of how badly I want a home birth or at least an out of hospital birth. Wink

Spacers's picture
Joined: 12/29/03
Posts: 4100

:bighug:

Check your state's laws and your particular policy for yourself, don't believe what the insurance company tells you. Find out what they *have* to do and tell them to cover it! Insurance companies pay for the birth attendant, not the place of birth, and they are usually obligated by state law to cover any caregiver licensed by the state. So if your state licenses midwives, they almost certainly have to cover one. Also, if your coverage has an "out of network" provision, then you can use any caregiver & pay out-of-pocket, and be reimbursed at the out-of-network rate, which is at least 50% and sometimes as high as 80%. Ask the midwife if she has any experience billing this insurance company, she might know the ins & outs already! Good luck, and I'm LMAO at the thought of you calmly driving down the freeway, looking for a nice wide spot to pull over & give birth. ROFL

LMCH's picture
Joined: 02/05/07
Posts: 2031

i almost did this unintentionally with DS's birth. we wanted to labor at home as long as possible to avoid certain things at the hospital. I think DS was born about 2 hours after we checked in...it seemed quicker than that, but I was 9cm when they triaged me. being in transition in the car is annoying, I will say...not that I knew that's what it was at the time.

:bigarmhug: I agree with pp, check into things a bit more, b/c insurance companies like to avoid having to take any extra steps for stuff like this, but insurance might actually cover it (at least partially)

jooniper's picture
Joined: 08/27/07
Posts: 780

Did you see about the October mom that had her drug-free VBAC... in the car on the way to the hospital?

Insurance is not covering our homebirth ($2500), but it's STILL cheaper than paying 20% of my hospital birth with Daniel (we hit the 4000 out-of-pocket max). Something to think about.

kridda_88's picture
Joined: 01/28/08
Posts: 1798

Our insurance plan doesn't have an out of network rate. It's in network or not at all. My midwife would be no more than $2,000 out of pocket but I can't for the life of me get DH to pay it right now. I've talked to my insurance and several midwives in the area who have dealt with our insurance and all of them said it's a PITA and not worth the effort. I'm thinking if we keep them I will just keep calling them and bugging them and see how far up in the management I can get to talk to and argue with them. Stupid thing is they flat out told me that some of there plans cover home births and midwives and some don't which in all honestly I think is a bunch of bull. I do know that very few midwives are actually licensed here in Utah because it's a huge pain to get licensed here just like it's a huge pain to get a licensed BC as well. Funny you think Utah would be more natural birth friendly but it's actually not.

Spacers's picture
Joined: 12/29/03
Posts: 4100

Tell DH to read Buckeye's birth story, and weigh being "that dad" to spending $2000 on what is going to be one of the most important events in three lives. We paid $3500 out-of-pocket for each of my midwives (we belong to an HMO, so no out-of-network coverage, either) and they were both worth every penny.

momW's picture
Joined: 09/29/09
Posts: 5634

When you want something, you want it!! That is how I felt when I started my journey for my VBA2C. I was completely ready to make the decision to deliver in the car in the hospital parking lot just to be able to do it my way, if that's what it was gonna take.

Joined: 04/30/09
Posts: 2257

((HUGS)) I'm sorry you have to deal with all that red tape. It's never easy being told you can't do something the way you want to when it's something that's so important to you.

I hope DH comes around to the MW idea. Maybe you could crunch the numbers to show him the differences between paying for the hospital birth and a MW at home?

kridda_88's picture
Joined: 01/28/08
Posts: 1798

If we have a hospital birth, with the insurance we have, we pay nothing for the birth of a baby. DH loves the idea of a midwife he just doesn't want to pay twice for a birth. As in pay the insurance and then pay for the full birth with a midwife.

MrsMangoBabe's picture
Joined: 04/09/07
Posts: 2276

Yeah, it's sort of like paying to send your kids to private school even though you've already paid for public school with your taxes. I hope you're able to work something out eventually.