Homebirth is Financially Feasible
Having your own midwife has many benefits, and the quality of care per dollar spent may be the best investment you can make in ensuring a mother and baby are cared for well.
First, let's look at OB costs in general, so you can understand the bills you would get in traditional care vs homebirth care.
Divisions of OB costs in US healthcare:
Global Provider Fee
Covers prenatal care and birth attendance by a midwife or OB doctor. It's a flat fee for all "normal" care.
Birth Facility Fee
Hospital or Birth Center facility fee. Covers the building and general supplies. You don't have this with homebirth.
Newborn exam & medications. Midwives can provide this care for the first 28 days, or you may see a pediatrician.
If you have insurance...
- Homebirth may or may not be a specific policy in your insurance plan.
- The midwife's credentials may determine whether insurance will cover your expenses. Certified Nurse Midwives should be covered by your insurance since we are licensed in every state. This is an advantage to hiring a CNM vs a CPM (not currently licensed in GA).
- Your homebirth will be an out-of-network expense. You will pay in full for services, then submit for reimbursement through insurance after birth services are completed.
- Using a professional biller will ensure the best reimbursement. I use Napier Midwifery Billing to help you get reimbursed. She can apply for in-network exemptions, but you still can't anticipate reimbursement rate, so you must shift your mindset to choosing to make a good financial investment vs the cheapest one.
Got it? Pay then Birth then Bill insurance to try to get some reimbursement.
Listen to me explain how we may be able to use your in-network insurance benefits
If you have a health share...
- Homebirth is usually a generously covered benefit, lucky you! (and if you aren't pregnant yet, sign up now! I use CHM - list me as your sponsoring member if you join).
- Your homebirth is still cash-pay, and receipts will be submitted by you for reimbursement.
- I can also itemize your recommended supplements for reimbursement.
If you are self-pay...
- Homebirth is going to be your least expensive option for OB care.
- I have a contract with Quest Labs that will offer you deeply discounted labwork (around $250 total for pregnancy)
- Midwife support during labor is proven to help you avoid the most costly things- hospital admission and cesareans. In some low-income cases, you can qualify for emergency medicaid for these expenses.
Moonlight Midwifery LLC documents about financial policies...
More detailed information on how I work with insurance, healthshares, and other costs to consider
Cost of Care
Costs, terms, discounts, refunds and all that technical jazz that you came to this page to find.
Most clients divide payments per month, finishing by 37 wks.
Transferring in the middle of pregnancy?
Global fee is set for care. Transferring care can actually take more admin time than establishing early in pregnancy.
*** If your insurance provider finds my name on any in-network contract, it is not related to the care provided by Moonlight Midwifery LLC. I have been credentialed with insurance providers, including Georgia Medicaid, for past employers. Moonlight Midwifery LLC is not in-network with commercial insurance plans, Medicaid or Medicare.***