Paying for Midwifery Care

  • What most families opt for. This is the most available and easiest to navigate. Since insurance, for the most part, does not currently recognize home birth as a viable option, self pay is the primary form of paying for your homebirth + Midwifery care.

    I also offer payment plans with a deposit up front and then a payment schedule that works for your family.

  • I do offer a Sliding Scale for my Midwifery Care services. It’s based on “The Green Bottle” and I let families decide where they fall on this scale. I do not require families provide any proof of income for services paid with a sliding scale, I just ask that families are honest with where they sit. So far, it has worked for my Clients and I will continue to use this wonderful structure to continue to make Midwifery care more accessible.

    My sliding scale rate is currently $4,500-$6,000.

    There is also the option of payment plans to make care more accessible and affordable.

  • Good news, Midwifery care is covered by FSA/HSA! We can either run your FSA/HSA card through our card processing service, or you can submit an invoice for your care and have a check sent to us, or if you’ve paid already, send the invoice for reimbursement. Also, most FSA/HSA also covers doula services in case you did not know that and we wanting a doula as well.

  • Most Heath Shares will pay for Midwifery Care + Homebirth.

    The health shares I work the most with are

    • Christian Health Ministries

    • Samaritan Ministries

    There are a few that I have had issues with in the past that I won’t work with directly, but will give the family an invoice to get care reimbursed. We can discuss each option at your consult/intake how we are going to bill for your care.

  • A reasonable option, not often used.

    Sometimes you just don’t have all of the funds and want to crowdfund. A few ways to do this, you can use sites like “Go Fund Me” but also, there’s also Baby list, which you can build your registry that links different stores, and also allows you to set up a cash donation option for things like Midwifery care/Doula/birth photo etc.

  • Most insurance companies will not cover Midwife Services/Out of Hospital birth. But we can submit for reimbursement. Minnesota also just approved Medicaid to cover homebirth for approved providers. That being said, I have had client have some luck in getting at lease some of their care reimbursed.

    How does it work?

    • You pay for care upfront

    • After your final postpartum visit, I will code out your care and submit it to insurance on the required forms through a clearing house.

    • I receive a notice of what they are going to cover/what they are reimbursing and you will get a check if that ‘s the case.

    • Sometimes insurance will cover the prenatal care and a postpartum visit, but not the actual birth, sometimes they cover all of it and sometimes they cover none of it. Sometimes they give us a run around and we have to submit multiple times.

    • Note: not everyone will get care covered and there is no guarantee of reimbursement with this option. So families go into it hoping for some reimbursement and expecting no coverage. Sometimes we get told there will be no coverage only to submit it and have some surprise reimbursement as well. Insurance has just been getting more and more difficult to get coverage, but sometimes we get lucky.

  • For the last 2 years a group of local Midwives, myself included, have been working with DHS to get homebirth covered. As of January 2025, we have achieved just that!

    Unfortunately, it’s still a long approval process. I do have an application in to be accepted as a covered provider, but I do not have an ETA on when that will be approved at this time. After approval, I will then also have to contract with each individual MCO (the managed plans like UCare, BCBS MN etc) to get in network with them. I am hoping to have more updates soon! But Coverage for my care using your MA insurance is coming!