Insurance Accepted

Mother to Mother works with most insurance companies.  At this time we provide a discount for people with HMOs as they do not cover any out of the hospital midwives.   We are a preferred provider for TRICARE and are currently working on being able to accept medical.

For PPOs we are considered out of network care providers and work with a biller to insure that you get maximum reimbursement for the care you receive.

During the course of your pregnancy we have you pay an inclusive “global maternity fee” This fee includes the prenatal care, birth and postpartum.  We work with a biller and bill your insurance for each prenatal visit.  After the birth, we bill for our services and all of the postpartum care.  You sometimes receive reimbursements during your care.  The bulk of your insurance reimbursement usually comes through in the postpartum period.

How much your insurance covers and the reimbursements you receive, depend on your individual benefits.  You can contact your insurance or look at their website to see what benefits you have.  We can also have you speak to our insurance biller to help you sort out the often confusing details. Contact us for that information.

Specific questions to ask your insurance:

What is my deductible?

Do you cover midwives?  What kind of midwives ? (we have both a CNM and Licensed Midwives at MTM)

Is Homebirth covered?

What are my out of network benefits?  At what percentage are out of Network Care Providers covered?


We’re an approved provider by the State of California’s Medi-Cal Access Program.

For more information on this program read “Important Information for Pregnant Applicants” on the Medi-Cal website.

Insurance Company “Having a Baby” links: