What a process...
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    Community Host kridda_88's Avatar
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    Default What a process...

    It's turning out to be quite the process looking for a midwife and finding out what each one provides and what each one doesn't provide. I'm looking at certified midwifes that way if I happen to hemorrhage and the herbal stuff doesn't work she can give me a shot of pitocin if it's needed with out having to transfer me to a hospital. I would like to avoid any hospital stay as much as possible. Out of the half dozen that are with in an hour of me I have only found one. I've talked to her already and I actually really enjoyed talking to her over the phone. Well I e-mail her to get a little more detail on what she provides and what I need to provide. She lives just a little over an hour away and her office is there as well and I hate driving that far for an appointment, I would do it if I had to though, well she will actually do home visits for the appointments but she charges a little extra. I thought that was so cool! She also said that I would have to provide basically everything else. I would need to order a kit and provide the towels, wash clothes, garbage bags, that sort of thing. I'm also looking at a birth tub as well. I'm thinking this is going to be, after all the dust settles, around $3,000, $1,800 for the birth and then everything else I will have to purchase. They have an awesome BC, it's a converted old, beautiful, house but I really don't want to travel an hour to the BC while in labor and I really want a home birth anyways. The appeal of the center is it would only be $2,000. I'm waiting for her reply back on how much extra home visits will be and that just may be a deciding factor for DH and I. I know DH was already wondering if she would do home visits for the entire pregnancy so I know he will like it.

    There is another midwife center that's only a half hour away but none of their midwifes are certified. They charge around $3,000 and provide EVERYTHING.

    I'm so glad i'm doing my research now rather than later when I am already expecting. The great thing is, if I decide to go with the certified midwife then I can start getting supply's now so I don't have one HUGE purchase at the end to go along with paying the midwife.

    Oye. Looks like lots of praying is ahead for me. As well as possibly some meeting of midwifes.

    I don't think I took this much care in choosing my doctor. I just wanted a female OB.
    K&S-8/18/07
    DS1-7/18/08, DS2-2/23/10, DS3 1/18/12


  2. #2
    Mega Poster Mom2ThreeKiddos's Avatar
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    I say pray on it and you will know in your heart what the best is. Hugs hun!
    Christy birth doula, Hypnobabies instructor, small business owner & most importantly MOMMY.

    http://nurturedbabyboutique.com



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    Community Host kridda_88's Avatar
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    Well, looks like I may be paying out of pocket weather I go with a birth center or home birth. The lady I talked to a few months ago didn't look at our plan specifically. A home birth is not covered at all and a midwife and birth center is 100% covered IF they are in-network but from what I can find none of the midwifes around here are in-network providers. If I go with an out of network provider we'll just have to pay out of pocket. Kind of sucks because a hospital birth is 100% covered as long as it's in network and the one we go to is. All we pay is one co-pay at the beginning.

    GRRRRR. I'm so frustrated right now. It bugs me so bad when people tell you wrong. When I called earlier today I called twice and talked to 2 different people and they both told me the same thing. Of course with the way DH's work is it wouldn't surprise me if they change insurance by next year (they have changed it every year sense we've been married) and maybe they will go with someone that will cover a home birth. A woman can dream right?

    I guess we'll see what happens.
    K&S-8/18/07
    DS1-7/18/08, DS2-2/23/10, DS3 1/18/12


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    Posting Addict Spacers's Avatar
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    What state are you in? (You don't have to say online, I'm just asking in general terms, kwim?) Many states have a law requiring coverage of out-of-network birth services at the regular out-of-network rate. So if you got an out-of-network cardiologist and they'd cover 60% of his bill, you can get your out-of-network midwife covered for 60%. What I'm saying is, if your insurance provides out-of-network coverage for one thing, in many states they must cover it for birth, and if they cover any birth services, in many states they must cover home birth. They are paying for the service, not for who provides the service or where. If your state licenses certified midwives, insurance companies are often required to cover them just as they would cover any other licensed care provider. Check your state laws, don't rely on your insurance company to tell you the truth. Ask your midwife, too, she might have experience dealing with your insurance!
    David Letterman is retiring. Such great memories of watching him over the past thirty-two years!

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    Community Host kridda_88's Avatar
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    I live in Utah. The problem is, now that I look at our plan, our insurance wont cover ANY out-of-network provider. Not even out-of-network hospitals.
    K&S-8/18/07
    DS1-7/18/08, DS2-2/23/10, DS3 1/18/12


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    Mega Poster krazykat's Avatar
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    Are CPMs permitted to attend HBs in Utah? Back to the CPM/CNM thing, if you can find a CPM who has a back-up provider that she works with, then they will give you a prescription for pitocin that you can have on hand for hemorrhage if that is the only reason you would rather have a CNM. That's what my CPM MW in West Virginia would have done, but there is no legislation restricting them there.

    Also, something that I had considered in Alaska is filing for their medicaid (Denali Kidcare). It is the public assistance program provided for children to age 18 and pregnant women. As PP said, some states require insurance to cover certain things, and if I had gone with their medicaid, then I would have had more flexibility than I would have with our insurance, and they would have covered a BC. I would have had to drop our insurance for that time period though.

    Even if you don't go with this particular MW that you are looking at, ask her these questions. She can probably give you more information especially regarding the laws in your particular state... or if she doesn't know, I'm sure she can refer you to someone who does. I have found every MW that I have ever contacted to be a wealth of information, and they are always so willing to share and help in whatever way they can. MWs are truly wonderful people from what I have found.

    GL! And you are making such a great start by doing all of this research now. I'll be interested to see what you find out!
    Ariel & John: Military Family since May 17, 2006

    Sylvia: 12/18/08, Justus: 9/17/10, Bunni: 5/11/12, Surprise Baby: Guess Date 11/5/13



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    Posting Addict TiggersMommy's Avatar
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    I have heard from some women that their home births were eventually covered by their insurance companies despite being told that they wouldn't be. It's not something to bank on but I know it's possible! Good luck with your search!
    Erin
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    Posting Addict jolly11sd's Avatar
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    Finding a MW is some areas is totally a process. Good for you for starting early. We only found 2 MW that would attend our rural area, everyone else said no way. We do the 1 hour each way travel to see the one we picked for each appt. Of course neither of them were in-network with our insurance and they tried to tell us that they wouldn't cover it. I was a pain in their side for a while and it finally did come out that they would cover the out-of-network 60%. Small victory. We still have to front 100% of the cost and then get reimbursed after the birth. So keep checking with them because maybe something will change and they will cover some of it! Best of luck!
    ~Joy~ DS1-8/5/05, DS2-10/18/10 (VBAC#1), DS3- 4/11/12 (VBAC#2!)


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    Posting Addict Spacers's Avatar
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    Quote Originally Posted by kridda_88 View Post
    I live in Utah. The problem is, now that I look at our plan, our insurance wont cover ANY out-of-network provider. Not even out-of-network hospitals.
    Maybe one of our Utah moms can weigh in on this, I know we have a few here. If not, then I'd suggest that you call your state insurance commissioner's office. If your state licenses midwives, then insurance companies should be required to cover them as they would any other birth service provider. If midwives are something new, this might still be worked through the kinks, kwim? Don't let it drop, ask for a waiver, show them how much they'll save for a HB midwife over a hospital, see if they'll come around. They *can* make individual exceptions. But FWIW, I have an HMO so no out-of-network coverage at all, and both my midwives were well worth the money, even though I ended up with c-sections both times.
    David Letterman is retiring. Such great memories of watching him over the past thirty-two years!

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    Community Host kridda_88's Avatar
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    Well, I've researched and tried about everything I can. Talked to a midwife and she told me that everything I had tried had already been tried before to no avail. I did find a CNM that is covered by our insurance though, but it will be another hospital birth. I have heard good things about this hospital though, so I hope that holds true. If I went with a BC I would pay out of pocket and there are very few BC here in Utah and only one that is a licensed BC down south for the polygamists. So if I want a BC at all it would be out of pocket. Stupid thing is if we had the right "plan" with our insurance a home birth would be covered.

    I so wish we could afford the out of pocket pay for a BC but unless finances improve in the next year it's not going to happen. There is no way we would be able to afford paying for a home birth.
    K&S-8/18/07
    DS1-7/18/08, DS2-2/23/10, DS3 1/18/12


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