Why Is Insurance So Confusing When It Comes to Home Birth?
Insurance is complicated no matter what. Health insurance companies are for-profit businesses who collect as much money as they can in monthly premiums, and will find reasons to pay out as little as possible for the care that people need.
You may be pleasantly surprised by what you find, or disappointed. Always compare your midwifery care coverage to what you might pay in the hospital, as high deductibles exist for many insured people, regardless of place of birth.
Many people reach out to me asking about their insurance coverage. Because there are so many different plans - even under the same insurance company! - I will always direct you to my biller, Cohosh Billing. They can do what is called a “verification of benefits” or “VOB.” This will tell you exactly how your insurance covers home birth services.
Contact me directly for cash discounts -