Private Insurance for Midwifery Care
Private Insurance for Midwifery Care
Insurance Coverage for Midwifery Care
We provide free 60 minute consultations to answer any questions you have about who we are as providers and learn more about midwifery care!
For families with private insurance, we are considered out-of-network providers. Many insurance plans offer 50–80% reimbursement for midwifery care, but coverage varies widely between companies and individual policies. The amount reimbursed depends on your specific plan, deductible, and out-of-network benefits. The only way to know exactly what your plan covers is to contact your insurance provider directly.
We have found that, overall, the most cost-effective approach is often for clients to submit claims directly to their insurance company for reimbursement.
The first step is to request a Verification of Benefits through your insurance provider. This can help you better understand your coverage and potential reimbursement before beginning care.
We are happy to provide any documentation requested by your insurance company, including a detailed Superbill and supporting records when needed.
We are happy to discuss individualized payment plans, and in certain circumstances may be open to trade arrangements that are mutually beneficial. If cost is a concern, we encourage you to reach out so we can explore options together.
What Your Investment Covers:
- All Prenatal Visits: Comprehensive hour-long, unrushed visits that combine clinical expertise with holistic and compassionate support
- Midwifery Care at Your Birth: Having two Licensed Midwives as your clinical care providers at your birth
- Birth tub rental, if desired (pending availability)
- All Postpartum Visits: Personalized care and support for you and your newborn in the first six weeks postpartum, typically including visits at 1 week, 2 weeks, 3–4 weeks, and 6 weeks (plus additional visits as needed)
- Medications for you and your baby as needed/desired
- Customized labor prep tincture
Insurance Coverage for Labs, Ultrasounds, and Facility Fees
We aim to help you utilize your insurance benefits for other associated services:
- Labs drawn in our office (billed directly by LabCorp)
- Referrals for ultrasounds (performed off-site and billed by the imaging facility)
- Birth Center Facility Fee: If you plan on giving birth at the Puget Sound Birth Center, you will receive a separate bill for the Facility Fee. This fee covers the use of the space and supplies, and is typically billed directly to your insurance company.
- Hospital Transfer: In the unlikely event of a hospital transfer during labor, the resulting hospital charges (facility use, doctor fees, etc.) would be billed directly to your insurance company by the hospital.
Financial Clarity
Financial Clarity
We are committed to eliminating the stress of "surprise bills."
- No Postpartum Bills: There are no surprise bills from our practice, because your investment will be paid in full by the time you are 36 weeks pregnant!
- Payment Plans: We are happy to discuss customized payment plans to make this investment manageable throughout your pregnancy.
Seeking Reimbursement: The Superbill
Although we do not bill insurance directly for our global fee, we are here to help you seek reimbursement from your carrier:
- The Superbill: At the end of your care, at 6 weeks postpartum, we will provide you with a Superbill. This is an itemized receipt of all the services you received from our practice.
- Your Submission: You can then submit this Superbill directly to your insurance company. Many plans, even those that are "out-of-network," offer partial reimbursement for midwifery services, which will be paid directly back to you.
