Post # 1
How on earth do I word this?
Me and my husband are NTNT, and I was looking into what our insurance covers as far as pregnancy. Well, waterbirths are not covered and I’m not 100% sure midwife services are covered either.
I’d like to know how much the whole process would cost from some local midwife services-but how do I word it. Is not something I thought about until now and I’d like to save for it if its not an astronomical cost for the birthing center I like.
crazy? Is this like getting married- do you only start planning when stuff is happening?
Post # 3
@MissFireFlower: No, and props to you for thinking ahead. I like to have a plan (not a strict it-must-be-this-or-chaos plan, but at guideline plan) before doing anything major. So no, you’re not crazy. When we get closer to when we were thinking about kids, we will likely do the same thing.
Post # 4
I don’t think it’s crazy, I think it’s responsible. I would just tell the birthing center that you are planning on trying to concieve soon, and you want to get an idea of how much it wil cost so you can figure out how much money you need to save first. I would think that they would prefer that their patients be able to afford their services without a financial shock.
Post # 5
I think its perfectly OK to call around and ask them for pricing and tell them you are in the process of planning a family. You dont have to give them details.
You already know that water births are not covered, but also figure out how much is covered. Not all insurances pay 100% of the costs even for your regular doctor checkups and tests.
Post # 6
@MissFireFlower: Ask about pricing for certain services. This sounds completely rational to me. There is nothing wrong with wanting to make sure what services work better for you and what you can afford.
Can you call and set up appointments to talk to some of these people face to face?
Good job for being ahead of the game! 🙂
Post # 7
I started a new job in November and on the first day of work I was asking about maternity leave, coverage for maternity costs and things like that. My company doesn’t offer short term disability so I needed to get a private plan through Aflac. If your company offers Aflac their hospitlization plan is something to think about. We pay just under $50 a month for it and it reimburses us $500 a day for every day that I’m in the hospital including for a birth. So since I have to be in the hopsital for 36 hours after giving birth I’ll likely be in the hospital for a minimum of 3 days and will be reimbursed $1,500. Obviously there could be more or less depending on the circumstances. If you have a c-section it would be longer and you’d be reimbursed more. This would be an option to help cover extra costs if your insurance doesn’t cover the mid-wife. You’d just have to make sure Aflac covers the birthing center you choose. Aflac isn’t the only company that offers this, I think it was through Colonial Life at my old company.
Post # 8
Watch the business of being born!! Greatttt documentary! It has information about costs and insurance as well as a ton of other things. It completely made both my husband and I want a home birth. (unfortunately I don’t think I will be able to due to have a unicornuate uterus but I will deff try) I believe she said that the insurance company says they won’t cover it but you just have to bug them a lot! I can’t remember for sure Tho.
Post # 9
Not crazy at all! I’ve looked into wedding stuff and I’m not engaged. I certainly haven’t booked anything, but knowing what’s available and at what cost is an integral part of budgeting and saving.
Post # 10
Look for an OBgyn practice that includes midwives. Its why I choose my doctor and their services WILL be covered by insurance because they are still medical providers. They are becoming more popular due to rising costs.
My SIL who paid out of pocket for a midwife attended birth at a birthing center paid about $5k for all pre and post care.