I am trying to get my insurance to count our home birth fees as in-network, applying it to our deductible and then paying what will go over our deductible. My understanding is that, since they do not have a home birth practitioner listed as in-network, then we should be able to negotiate with them to get my midwife covered as if she were in-network. I am insured through United Health Care (Ohio).
Does anyone have any advice for how they pursued this, recommendations, what to say (or not-to-say), and so forth?
Thanks for any feedback!