Getting Homebirth Covered by Insurance

If you have health insurance: for your FREE verification of benefits, please fill out the following form. I will get back to you within a couple of days with an overview of what your insurance company agrees to cover.

click here to access VOB form

I offer free insurance verification of benefits (VOB) to clients.

A frequently asked question about homebirth is whether insurance will cover the cost. Unfortunately, there are no cut and dried answers to this question. What and how much is covered varies greatly, depending on the insurance company, the specific plan, and even the customer service representative you happen to get on the phone! A VOB greatly reduces the guess-work, and gives you an overview of estimated out-of-pocket percentages, deductibles, and co-pays.

Because insurance is so complicated and time-consuming, I’m unable to deal with them myself—you can either have the superbill to file yourself (free), or use my biller who specializes in helping midwives and homebirth clients get insurance claims approved for a commission of 5% of total insurance reimbursement. There are no guarantees, but billing companies are typically much more successful at getting your insurance company to cover at least some of the costs involved.

How Does it Work?
For maternity and birth services, insurance companies require global billing—meaning insurance can only be billed AFTER all care is done, including all prenatals, the birth, and postpartum visits. As a small practice, I can’t wait this long to receive money, so payments are made to me throughout your pregnancy and insurance then reimburses you the amount you are entitled to after deductibles and out-of-pocket costs are met.

Verification of Benefits (VOB):
A VOB is obtained at the start of prenatal care. The biller will contact your insurance company and gather your cost-shares for in- and out-of-network. She will make an exception request to benefit you. For example; out-of-network referrals, prior authorizations or in-network GAP. All information will be emailed to you. Keep in mind there are some plans that won’t allow the out-of-network provider to make the request.

Electronic Claim Filing (Billing):
If you decide the amounts quoted on the VOB are worth it to you, billing can be done 2 weeks after labor/delivery; most plans allow a full 12 months for timely filing. I do recommend having a VOB done to know if your services are a covered benefit, but it’s not required. As the midwife, I will send a superbill, which outlines your rendered services, to the biller. Depending on your insurance company, some claims will process within 2-3 weeks from day of submission, while other may take 45 business days. The biller will do random follow-ups and keep you updated via email.

VOB fee: FREE
Billing: 5% for any reimbursements OR $80 flat fee if your insurance refuses the claim after all appeals and re-submissions have been attempted by the biller.