- Wedding: September 2008 - A tiny town just outside of Glacier National Park
Question 1: How early in your pregnancy did you decide to go your route?? In my situation, I live right next to my current doctors office so appointments are easy to make with them. I would also like to do genetic testing before moving forward. Do midwives perform genetic testing??
We decided very early that we wanted home or birth center (preferably home) and went with a midwife within walking distance of our home in Seattle, WA. We interviewed the midwifery practice with the intent to interview others if needed, but we were impressed with their experience and professionalism, plus we are lazy, so it was an easy choice.
I would imagine that you can attend your early visits at your GP and switch at a later date. Switching is not uncommon, for moving or for personal preferences, but it can be a pain in the ass. With all these questions, the best thing is to call your insurance and just ask.
Our midwife did not perform genetic testing themselves, but referred us to a clinic about 20 miles away. The reason for this is that the midwifery practice doesn’t have an ultrasound machine (our only woe-is-me). But, for a normal pregnancy, our insurance only covers 2 ultrasounds anyway. One at 13 weeks or prior, and one at 20 weeks for anatomy scan.
We had our 13 week NT and combined screen done by a very capable clinic that specializes in high-risk pregnancies and genetic counseling. My pregnancy is low-risk, but I felt that they gave us TONS of info and were very thorough reviewing results because of their practice. Insurance covers this referral for testing.
Question 2: Can I attend regular appointments at my clinic, and birth at home with a midwife? Or will insurance not allow that??..
Definitely ask your insurance. My guess is probably not, because the midwife won’t be your primary care provider. Does your clinic even cover full pregnancy support? It might be something that they refer out anyway.
Question 3: Did your insurance cover your homebirth/center birth? Either way, how much out of pocket did you pay?
Yes, our insurance covers a midwife and a home birth the same as they would cover an OB and a hospital birth. They specify that they cover a pregnancy health provider, and a midwife is one of the specialties covered by that umbrella. In general, home and birth center births cost insurance far less than hospital births (we all know how hospitals love to bill things). We have seen estimated out-of-pocket costs, which I can’t remember off the top of my head, but they weren’t horrendous. If it’s like most other things, which I believe it is, our insurance will cover 85% after our yearly $250 copay. We’ll probably pay the rest out of our HSA.
These are all questions that should be able to be answered by someone at your insurance provider in 100% certainly, either with a phone call, or perhaps just looking at the coverage documents on their website. That’s where I found the information for our provider, Uniform Medical.