Insurance Accepted

Mother to Mother Midwifery works with most PPO insurance plans.  We are considered out of network care providers and work with a biller to ensure that you receive maximum reimbursement for the care you receive.
Families with HMOs receive an automatic $300 price reduction as their insurance does not cover out of network homebirth midwives.

Some insurance companies will cover a percentage of homebirth. An HMO will not. If you have a PPO or some other type of coverage you can call and ask if they will cover an out-of-hospital birth with a midwife.

During the course of your pregnancy, you pay an inclusive global maternity fee.  This fee includes the professional fees for prenatal care, birth and postpartum.

After the birth, we bill your insurance for all professional services rendered during your prenatal care, the birth, postpartum, and newborn care.  You may sometimes receive reimbursements during your care but you receive most of the insurance reimbursement sometime after your six-week postpartum visit.

How much your insurance covers and the reimbursements you receive depend on your individual benefits.  You may contact your insurance or look at their website to view your benefits.  You may also speak to our insurance biller to help sort out the often confusing details. Please contact us to discuss your individual situation.

Specific questions to ask your insurance:

  • What is my deductible?
  • Do you cover midwives?  What kind of midwives? (we have both CNMs and LMs)
  • Is Homebirth covered?
  • What are my out of network benefits?  At what percentage are out of Network Care Providers covered?


Mother to Mother Midwifery is a preferred provider for TRICARE Select and we serve many military families. Families may switch from Tricare Prime to Tricare Select during open enrollment.

Through collaboration with our sister company, San Diego Babies, we are also able to work with families with Tricare Prime.


Operation Doula is a volunteer doula program for active duty military mothers and military spouses.  The doula is professionally trained.  An expectant mother will have the opportunity to interview and choose from three different doulas. Please contact Bobbie Hawkins, who is the doula coordinator, at 619-922-4143 or


We are contracted with MediCal. 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.