Mother to Mother Midwifery works with most PPO insurance plans. We are considered out of network care providers and work with a biller to insure 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.
We are a preferred provider for TRICARE Select. Families must switch from Tricare Prime to Tricare Select to receive reimbursement for homebirth. As of January 1st 2019, you may only switch from Prime to Standard during open enrollment.
We are contracted with MediCal and work with most MediCal plans.
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. We work with a biller and bill your insurance for each prenatal visit.
After the birth, we bill for our professional services and all of the postpartum 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.
For families with financial need, we have fundraising opportunities through our Homebirth Fundraising and Scholarship.
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: