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Old 06-05-2012, 08:10 AM   #1
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Billing insurance yourself for your homebirth??

Anyone have experience with billing your insurance yourself for your delivery at home with a CNM?

Is it pretty easy? How exactly does it work?

Please let me know of any experience you may have with this, good and bad, thanks


I also wanted to add....I have Tricare as my insurance, so if you happen to have Tricare as well, please mention it, thanks

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Old 06-05-2012, 12:19 PM   #2
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Re: Billing insurance yourself for your homebirth??

No experience, but I'm watching this thread because I am curious too!
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Old 06-05-2012, 07:59 PM   #3
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Re: Billing insurance yourself for your homebirth??

Anyone?
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Old 06-05-2012, 08:19 PM   #4
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Have u called them to ask how you should do it ? They may have a form on their website to fill out.
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Old 06-06-2012, 12:08 PM   #5
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Re: Billing insurance yourself for your homebirth??

I called my insurance today (michigan) to see if they would cover my midwife/homebirth and they won't at all. They won't even cover the prenatals because she doesn't have a licensed facility to bill out of. That's dumb. It would cost them about 20k less by paying for her rather then a hospital.
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Old 06-06-2012, 01:28 PM   #6
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Re: Billing insurance yourself for your homebirth??

Quote:
Originally Posted by mammacandoit View Post
I called my insurance today (michigan) to see if they would cover my midwife/homebirth and they won't at all. They won't even cover the prenatals because she doesn't have a licensed facility to bill out of. That's dumb. It would cost them about 20k less by paying for her rather then a hospital.
Does your midwife have a provider number? I think that's what she needs rather than a facility. Can you ask your provider to try to apply for one with that insurance company?
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Old 06-06-2012, 06:00 PM   #7
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Mine uses a company that takes care of everything and negotiates with the insurance company for an oop cost of $100 to us. She is out of network but because they negotiated, we will be paying only in-network prices.
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Old 06-06-2012, 09:52 PM   #8
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Re: Billing insurance yourself for your homebirth??

A CNM is an accredited provider in all states (with variations on supervision and limitations of practice, of course.)

I think this would just take some creative billing. Does she have a provider number, or privileges at any medical facility?
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Old 06-10-2012, 07:01 PM   #9
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Re: Billing insurance yourself for your homebirth??

I don't have experience with tri-care but we are still struggling to get our first home birth reimbursed (that was 3yrs ago). With our second home birth I sent in a global bill and they asked us to separate it - one for my care and one for the baby's care. Once I did that we received our reimbursement.
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Old 02-18-2013, 07:50 PM   #10
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Re: Billing insurance yourself for your homebirth??

Quote:
Originally Posted by mammacandoit View Post
I called my insurance today (michigan) to see if they would cover my midwife/homebirth and they won't at all. They won't even cover the prenatals because she doesn't have a licensed facility to bill out of. That's dumb. It would cost them about 20k less by paying for her rather then a hospital.
After my birth I called again to see, And they absolutely will NOT pay for anything. Ugh.
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