Hi all, I am 22 weeks pregnant with my first child,I really have my heart set on a home birth, I just can't picture it any other way.However my insurance company (Horizon BCBSofNJ) will not cover this and I cannot afford to pay for a homebirth which is around $8000. I'm in NJ and all the in-network midwifes do not do home births, and since there are midwifes in-network they will not pay for out of network. Any advice would be appreciated on how to get my homebirth paid for.
Thank you for replying, I have checked with a few different insurance companies and its not that they don't cover a homebirth its that the midwifes in their network don't do them. There are no birthing centers in NJ. NJ hospitals have a 40%+ C/S rates, so that means even with a midwife I have almost a 50% chance of having a c-section. To me a natural birth means being able to labor freely not being attached to a fetal monitor, being able to eat and drink to keep my energy up and no medications (to me iv fluids are not natural), this just does not seem possible to do in the hospital.
Hi I live in NY and was told at first the same thing by my insurance company. (They would cover homebirth, but there is no one in network...) However my midwife told me that there is a law in NY that states that insurance must cover any type of birth (homebirth, hospital, freestanding center, etc.) It was not until I mentioned this law to the insurance company that they changed their mind about the homebirth and gave me a pre-approval letter for out-of-network coverage for the midwife that I was using. I would try to find out if NJ has a similar law. In NY Midwives can be licensed as licensed Nurse Midwives and this is the only type of midwife who an insurance company will approve. My son was born August 2009 and I did not have trouble getting my insurance (Empire bluecross/blueshield) to pay. However, because it was approval for out-of-network coverage for the birth (not prenatal care) They did not pay until after the birth. This means that there was a small risks that if I was transferred to the hospital and gave birth there, I would be responsible for paying the midwife for prenatal care, as the insurance would have only covered the hospital birth. That being said, I am expecting another in July and have made the same arrangement with my insurance.
Don't think the first no is their final answer!