Homebirth is an Excellent Financial Investment

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. 

Birth fees 101: Division 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 Care

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 you may get a claim reimbursed through 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 and birth supplies

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...

Insurance Guide

More detailed information on how I work with insurance, healthshares, and other costs to consider

Cost of Care

Costs, terms, refunds and all that technical jazz that you came to this page to find. 

Payment Plan

Payment Plan options

Most clients divide payments per month, finishing by 37 wks. You may also choose to have payment amount weighted heavier toward end.

Transferring in the middle of pregnancy?

Global fee is set for care. Transferring care can actually take us more time than establishing early in pregnancy. 

HSA and Credit Cards accepted*.  Financing option available through:

Honestly, I've never had anyone approved through UMC though. I'd suggest you look at Credit Card options. 

There is an additional service fee of 3% for invoicing of cards, including HSA cards.


Moonlight Midwifery is not in-network with any insurance policies. WE DO NOT TAKE INSURANCE or negotiate our rates with insurers. We can assist you with your claim process through a 3rd party biller.

 If your insurance provider finds my name, Crystal Bailey, on any in-network contract, it is not related to the care provided by Moonlight Midwifery LLC.  I have been on policies for prior employers, and there are other 'Crystal Bailey'  practitioners in GA.