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Your Dilemma: When Insurance Does Not Cover a Birth Center

Posted By Administration, Wednesday, January 25, 2017

You have made the decision to use a birth center as it is the right fit for your family.  You have a low-risk pregnancy and are not expecting any complications.  You look forward to your extended visits with your midwife during your pregnancy and then having her by your side throughout labor and delivery.  You want the home-like atmosphere of the birth center and are ready to involve your family.  


With a push to control general medical care and hospital costs, birth centers can be a great solutions to the high costs of delivery a baby in the hospital.  The problem is that insurance companies still are struggling to cover the costs associated with having a baby in a birth center and the midwife care.  


This is odd because birth center care of the mother and baby through delivery is less expensive than more traditional hospital stays. With childbirth being the single largest hospital expense for employers the birth center should be a welcome addition to an insurance plan.  With lower overhead, lower c-section rate, and mandatory (sometimes unnecessary) medications for delivery, hospitals stays are typically very expensive.  


So, what should you do if your insurance company has denied your initial request to use a birth center or midwife?  


Call Your Insurance Company

Sometimes your request to use a birth center will be denied because of a coding issue in the system or a misunderstanding of a processing agent who does not understand your request.  The birth center should be accustomed to this happening and help you through the process.  Explore options to change and/or upgrade your insurance coverage to allow for the birth center option.  Call your insurance agent, do your research on the company website, and ask questions about others you can speak with as well as options you may have.  


Talk with your Employer

More than likely your employer has selected your health care package to provide comprehensive coverage but within a budget.  It is possible that the individuals making the selections do not think to add a midwife or birth center option because they just did not know to ask.  Allowing this option could in fact save money on the plan since using the midwife and birth center options are more cost effective than traditional routes.  Additionally, your employer may make an exception or allot certain discretionary budget to your request or help you start a flexible spending account to manage the expenses.  You are never going to know if you do not ask.


Can You Manage the Expense on Your Own?  

Your birth center will give you a very accurate picture of the costs.  Costs to vary from center to center, region to region so it is almost impossible to tell you what it “should cost.”  If you are determined to use a birth center you have options for the expense.   Make sure to have a very frank conversation about the decision with the birth center you chose and you are giventhe best rate possible for their care.  Many birth centers can offer payment plans to make the cost more affordable over time.


While we all like to think that our healthcare options are for us to make on our own, sometimes health insurance does prevent care based on the limits to the policies.  Use all available resources at your disposal to work out the best solution for you.  



Tags:  birth options  health insurance 

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Are You A Good Fit for a Birth Center?

Posted By Jennifer Gardella, Monday, January 9, 2017
Updated: Monday, January 9, 2017

There are so many very personal decisions for expectant mothers to make about their birthing plan, and for every decision there are just as many options.  The most important consideration is making the best decisions for you and your family. If you have been investigating other options, you may have heard of a birth center.  


What is a birth center?  While each birth center is a bit different, they have several similar qualities that can benefit a mom as she delivers a baby.  Typically a birth center is a home-like facility dedicated to providing care to mother and child throughout pregnancy and birth.  A birth center caters to a family centered approach to childbirth and allows a healthy woman to have a dedicated circle of support around her.  They are able to handle all necessary testing including all newborn screenings.  Birth center care is given by midwives and a close bond between caregiver and client is created.  


So, how do you make the decision to use a birth center?  


Is Your Pregnancy Healthy?

Birth centers are a great fit for women who are having a healthy pregnancy.  Along with their provider the healthy client is expected to have a natural birth with no complications.  A birth center may not be the right setting for you if gestational diabetes or high blood pressure have been a part of your pregnancy.  


Are You Comfortable with the Idea?  

If you find comfort in a natural approach to the birth of your newborn baby then a birth center may be the right choice for you.  You and your midwife will spend a significant amount of time together and your midwife has extensive experience caring for pregnant mothers, delivering babies and providing after birth care to both mother and child.  If an issue arises, birth center staff are able to start any emergency procedures you may require and arrange for a transfer to a medical facility.  


Do you Want a Client Centered Approach to Your Pregnancy?  

Midwives spend a significant amount of time with their patients.  This includes regular appointments during pregnancy and then throughout labor and delivery.  Your midwife is with you every step of the way with a focus on natural childbirth including the management of pain without medical intervention.


Always Trust your Instinct

As birth centers grow in popularity many more women and their families are choosing to use them.   If you want the focus to be on you and your baby, a birth center could be a great option.  It is best to visit the birth center, take a tour and meet the staff who will be caring for you throughout pregnancy and delivery.  Then you can decide if this is best for you and your family.  


Tags:  Birth Centers  pregnancy 

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