Found it. I will call them tomorrow, or should I write to them?
Found it. I will call them tomorrow, or should I write to them?
But I do know that most other insurance does cover the midwives, just not BCBS.
I would call the Board of Midwifery tomorrow. Don't tell them you've had two c-sections, though, just say you want to VBAC. You don't want to give them anything to have a problem with that they might not want to help. The fact is that the number shouldn't matter, because the issue is insurance coverage for state-licensed midwives, but no need to risk it, kwim? Good luck!!!
Any chance of switching insurance companies? You're probably in or close to an open enrollment period if it's through your DH's work.
Is your family deductible more than $2,500 for your family, or your out-of-pocket family limit around $12,000? If so, then it's probably considered a high-deductible health plan (HDHP) and you can run $6,550 through a health savings account, which is going to spread the deductions from your paycheck out over all of next year (roughly $250 per paycheck) even though the bill for the midwives will be paid in April. And if your DH's employer offers a flex plan or medical reimbursement account, you can also contribute $2500 (maybe more in 2014) pretax dollars & spread those deductions through the year, about $100 per paycheck. And this is all pre-tax money which lowers your taxable income. Money in an HDHP-HSA can roll over from year to year but money in a flex plan or MRA is "use it or lose it," although there was talk that that might change in 2014, but IDK for sure either way.
And one final thought, which I heard someone did when she moved to Alaska which bans home birth VBAC, and that's to lie. When she filled out new forms for her new OB, she put down that her first birth was vaginal, so he didn't even bother requesting her records from her old OB. She told her midwife the same thing and the midwife never asked for proof or documentation, and she had a home birth VBAC! I'm not sure what kind of trouble you could get into for lying on hospital paperwork, but pre-registering is mostly to verify insurance coverage and to know which OB to call when you get there, so you might be able to get away with it. This is probably easier to manage if your scar is low enough and/or your bushiness is quite bushy. :bigwink:
OK, one more that just occured to me as I was writing that last bit. This comes from ICAN, which you should also contact if you haven't already. On your registration paperwork, if it says anything like you will consent to a c-section upon the advice of your doctor or in the event of a life-threatening emergency, cross that part out, write that you will provide your consent for a c-section at the time if it becomes medically necessary, initial it, and ask for a copy right then & there. I did this with both births & no one ever questioned it. This will protect you in the event that you are forced into an unwanted c-section. Performing surgery on someone without express consent is assault, and if they strap you down, that's imprisonment, and the entire medical staff in the OR could lose their licenses, and face fines and jail time, not to mention how much you'd get from a civil suit. It's extreme, but if they are going to play hard ball, you can be just as good at the game. It might be good to have a few phone numbers of family law attorneys in your phone. I've never heard of anyone saying during labor, "I'm going to talk this over with my attorney," and I hope you won't be the first, but it's an option. In a true life-or-death emergency, your verbal consent in front of witnesses *is* enough. I know that for a fact.
No chance of switching insurance companies. They do offer a HDHP, but we are not on that. BCBSTX is the only company available to us, and DH's job covers the health insurance premium for the entire family 100%. I don't think I'd be comfortable with lying and I know DH wouldn't be. I feel so intensely discouraged with this right now. I know I should step back for a while and come back to it but I can't stop thinking about this and worrying about it. I asked on a local group for input tonight on the possibility of finding a VBAC friendly OB.
Here are some examples of what I got:
This link: Get Babied Doula Collective Austin Texas DoulasTexas + VBAC = sucks. ? Get Babied Doula Collective Austin Texas Doulas
And this is just part of the conversation before I abandoned it:
You're in Austin? I thought you were somewhere else. I remember someone else here years ago who was in Austin & hoping to VBAC and she hired a midwife who does "monitrice" service to accompany her to the hospital. That is kind of a hybrid of a midwife at home during labor, then a doula when you go to the hospital to give birth. It's a good option for moms who risk out of home birth, or whose insurance won't cover it, who don't want to spend their entire labor at the hospital but who need or want attentive monitoring before heading to the hospital. The rates for a monitrice are far less than for a midwife, and usually include accompanying you to a doctor's appointment and a couple of home visits after birth, so maybe that could be a good middle ground for you? Since you have a good rapport with the birth center, ask if they would provide this service for you. If not, then I think the midwife's name that the Pg.org mom used was something like Brianne or Brielle.
ETA: Found her! Brielle Epstein.
No. Not in Austin, I'm in Midland, Texas. That article was posted on the local group by a local mom to demonstrate to me how unlikely I am to get a VBA2C in the state of Texas.
I've called the local hospital and the one that is 30 minutes away. At the local hospital, I couldn't get anyone on the phone but left a message for a childbirth educator and also emailed her. At the other hospital I spoke with a L&D nurse who told me she didn't have the numbers, but they do see VBAC patients. She has never had anyone VBA2C or even attempt it because the OB's won't touch it, but advised me to check with OB's for their VBAC info because they call the shots. I imagine the info for the local hospital will be the same or worse.
Neither of these hospitals are listed on the cesarean rates website.
:bighug: I hope you find some way to work it out.
I haven't said anything here because we've been talking about this elsewhere, but yes, hugs and I am not giving up on you yet!
If you are willing to take on debt, I would go with the midwife. If for some reason you need to go ahead with a hospital birth, you can take your time to pay it off. Even if you only pay back $20 a month, they can't do anything to you. You would still be on the hook for it, though. This is a tough situation. I wish there was more we could do.