Are your services covered by insurance?

 

Yes! According to Florida state law care by a Licensed Midwife and the option of home or birth center birth MUST be covered by insurance.  However, there are some exceptions.  If you carry insurance from another state or federal insurance, they may or may not cover services.  Also, if your insurance plan is self-funded they can choose not to follow state laws.  Often you can appeal and services will be covered but you have to be committed to the appeal process.  I have worked with the following insurance companies in the past:

  • Blue Cross Blue Shield
  • United Healthcare
  • Humana
  • Avmed
  • Aetna
  • Cigna
  • GEHA Southcare
  • Coventry

I also accept Medicaid.  There are some fees that are not covered by insurance or Medicaid, including childbirth classes, birth kit, and assistant midwife at the birth.  You may also be responsible for any deductibles, co-pays, or co-insurance, depending on your plan.  The total amount due may be paid in small amounts throughout the pregnancy or all at once as long as it is paid in full by 36 weeks of pregnancy. To check you benefits and eligibility go to expressclaims.org.  Payments may be made in cash, by check, or by credit card.