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Expectant and Postpartum Moms
Reply to "Blue Cross Blue Shield PPO and home birth?"
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[quote=Anonymous][quote=Anonymous]Jeannine here. Okay. I got my verbal denial from BCBS of Minnesota. Customer service was NASTY!!!! Wow. Mention homebirth and all of a sudden you're a criminal. She told me that it stated in our contract that homebirths aren't allowable. She is sending me the complaint form so I can make my case for homebirth as well as a copy of the verbage in the contract. So, I guess this starts the big battle. Hopefully, I get what I want - prenatal care AND a covered homebirth. Any other suggestions?[/quote] You really need to address this with your midwife first. Midwives who provide out-of-hospital services have worked with countless couples and helped them to get their insurance to cover it. They will know who you have to contact and what you need to say. In fact, usually the midwife imply handles the billing, and due to certain coding which she uses, it winds up getting covered. In almost all cases, if you call your insurance company and ask if the "cover homebirth" they will say absolutely not. So lesson number one: don't get in a fight with them about homebirth. Just let your midwife bill (usually she does not indicate the location of the birth) and it will get covered.[/quote]
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