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I know some insurance companies will cover home birth as an “out of network” cost which mine will as well but I have a high deductible so that’s pointless. I was looking for a “back up” insurance that will cover home birth. I have had no luck locating one. Does anyone know of one or small insurance company that does? I am in AZ. Thanks!

2 Thoughts on Insurance coverage for home birth?
  1. Reply
    Cohen's mum EDD10/30/10
    September 1, 2011 at 12:15 am

    I will star this and see if any of my contacts can give you any info. I know alot of people end up paying out of pocket because the deductible is more or about the same cost.

  2. Reply
    September 1, 2011 at 1:04 am

    I haven’t heard of insurances that actually cover home births “per se”, but there some will pay a portion of a midwife’s services as an out of network provider. If you say it is for a home birth, most insurances will say flat out that they don’t cover it. But if you don’t tell them where you plan to give birth – just say, “I would like to have so-and-so deliver my baby but I see she’s not on your formulary. Will you accept her as an out of network provider?”, you are more likely to get somewhere.

    I’ve met a couple of Direct-Entry midwives who have occasionally had an insurance company cover a portion of their care, but your chances of insurance coverage are greater with a Certified Nurse-Midwife.

    You can always call local midwives to discuss their experiences with insurance. They do hear this question a lot. 🙂

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