Switching to HB at 28 weeks

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AmberC727's picture
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Switching to HB at 28 weeks

I've decided recently to switch from delivering at a free standing birth center, to birthing at home! We wanted a home birth originally, but had a hard time finding a MW who would be in town around my due date. After talking to a doula last night, I was really encouraged to give it another shot, and she gave me a referral to a MW in the area who I hadn't previously spoken to. I am so excited to talk to her more, and if it doesn't work out, we'll keep looking. We were having so much anxiety over driving nearly 1 hour to the birth center, and this will eliminate all that. I've had one natural birth (in a birth center in 07) so I know what to expect as far as the birth goes. Having her at home, that will be a different experience, but one I'm excited about. Just wanted to share!

krazykat's picture
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I already told you on the Sept board, but just wanted to say congrats again!! I am right there with ya, but a little more complicated with the hbac. Thinking of having the baby at home gives me such a sense of relief. I caught myself wondering the other day where I would drop DD off when I went into labor and what if it was 2am or some un-godly hour... and then I suddenly realized I don't have to worry about that lol! Of course I will have someone to watch her at our home, but I don't like leaving her just anywhere especially at such a special time in our lives.

But anyways, I can't wait to hear how everything goes. KUP!!

awini8's picture
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Awesome! We switched providers, so we could plan for a HB too. Best decision we ever made.

MrsMangoBabe's picture
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I hope this midwife is a good fit for you! Let us know how you like her.

faeriecurls's picture
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How exciting - congratulations!

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Congratulations! That sounds wonderful!

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congrats!

jolly11sd's picture
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That is exciting news!

AmberC727's picture
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I just got an email back from the midwife with her informed consent document and all her other information attached. I like everything she had to say, but I have to admit that the cost is making me a bit sick to my stomach. The delivery fee is $2000, each prenatal appt is $35, and there is a mandatory homebirth class that is $75. It also said she's willing to negotiate the fee if money is a problem, and it is for us, so she may accept less, I won't know until I meet with her tomorrow evening. We were only going to have to pay $300 out of pocket to birth at the birth center because insurance was covering it. I know it will be worth it to birth at home, and I shouldn't worry about it until AFTER I talk to her since she might be willing to work with us. Money is just so tight right now that it's hard for me NOT to worry about it.

cactuswren's picture
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I hope you are able to figure it out. It sounds promising...believe me I'd be worried about the money too, but hopefully you can all sit down and find a way to make it work! Good luck...

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Good luck with your decision! We've already decided that if we have to pay out of pocket for our birth center (if we decided not to go homebirth) we would seriously take out a loan if need be! We are very, very debt-averse (sp?) and we don't care! This is a debt we'd be proud to have! Smile As it stands, our birth center is no longer in network as it was last time. So we have a $2,400 deductible and then it'll cover 50%. So we're thinking around $3,200 if it doesn't go back in network. blah...

I'm sure the m/w you are talking to would work with you...perhaps a payment plan of sorts? Try not to worry too much because you are already at a birth center and that's definitely better than being stuck and tied to a hospital! Smile

faeriecurls's picture
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I hope you are able to work things out with the m/w. I know that I was worried about that also - our m/w's don't take insurance and we have no idea how much of their fee (which is A LOT) we will get back from our insurance. We still decided to go for it because it was really important to us, but the uncertainty of how much we will have to pay at the end makes me nervous and worried if I think about it too long.

MrsHooah2U's picture
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:bigarmhug:

Good luck with your choice, I'm sorry things got a slight kink. It sounds like she's willing to work with the costs, so like you said, I wouldn't be super worried until you talk to her (tonight right?!). I hope in the end you get to birth at home and are able to work the finances accordingly..

As PP said, even if you decide to birth at a birthing center due to costs, I can imagine it's a much better environment than birthing at a hospital. Bottom line is, do what's best for you! If you're set on a HB, work with your m/w to make it possible!!

Good luck KUP on talking with the m/w!!

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Check your state laws and insurance coverage, and ask the midwife if she's had success billing your insurance company in the past. In many states, if an insurance company covers "birth" then it has to cover the cost of your birth no matter where it occurs as long as the service is provided by a state-licensed provider. You'll probably have to pay the out-of-network rate, and be reimbursed after the birth instead of having the midwife paid directly. Don't ask the insurance company if they cover home birth, they'll say no. But if your state licenses midwifes, chances are very good that your insurance will be required to cover the service as out-of-network.

We have HMO insurance, which isn't legally required to provide any out-of-network coverage, so we paid out of pocket for both births. And even though I wasn't able to birth at home either time, the midwives were still totally worth the money!