Oh, the world of insurance and insurance billing! It can be overwhelming to be pregnant but then also trying to figure out how much your birth will cost your family can be downright exhausting!
We are here to help you wade through this whole process- from finding out you are pregnant, to getting scheduled for your first prenatal appointment to figuring out how much your insurance will pay!
At Portland Natural Birth, we happily bill your insurance for you for your midwifery care and homebirth. Mirra worked at a birth center for many years where she learned all the ins and outs of insurance billing. It was enlightening;) She’s not afraid to get her hands dirty calling up the insurance companies if needed. We are out-of-network with all insurance companies.
So what does that mean? Most insurance plans have two pathways- in network and out of network. In network providers are contracted with your insurance plan and you are given a list of who these providers are. Often, in network benefits have low deductibles and low member co-insurance. Out of network providers are not contracted with insurance plans and thus, out of network benefits often bring higher deductibles and less coverage. Sometimes, these deductibles are shared, which is beneficial for you.
Although we are out of network and you may have a higher deductible, our lower-than-the hospital costs usually make a big difference.
Our fees are all inclusive, called a Global Maternity fee– it’s prenatal, birth, and postpartum care all rolled into one fee. We collect your co-insurance during your pregnancy and then after your birth we bill your insurance company this global maternity fee.
There aren’t any extra fees for us to bill your insurance company, so if you do have private insurance, out of network benefits, and homebirth coverage come schedule an interview so we can chat about what a homebirth with Portland Natural Birth could look like!