One of the most frequent questions we receive is: how much does birthing out of the hospital cost? Financial considerations are definitely valid and deserve to be addressed up front, and the good news is that your midwives are in network with most major insurances, which has been a great benefit for many of our clients.
Treasure Valley Midwives values transparency, which is why we offer a complementary check of your benefits including an estimate of your services before you initiate care so you are able to plan financially for your birth.
Treasure Valley Midwives is currently accepting Medicaid clients and is a contracted provider for the IPN network, which includes Pacific Source, Cigna, TriCare Standard, Aetna, as well as others. Additionally, we are in-network for Blue Cross of Idaho, United Healthcare, Bright Path, and St. Luke’s Health Partners, which includes Mountain Health Co-Op, Providence, Regence (PPO/Traditional), and SelectHealth* (Commercial & MA). Some payers have national contracts that supersede the network for certain provider types.
Cash pay clients can also enjoy affordable services with your Treasure Valley Midwives, and we will provide you with estimates for all professional services, labwork, ultrasounds, and wellness services before your care begins.
- Payment for the Global Maternity Care, Homebirth Fee or Facility Fee and Newborn Care are expected to be paid in full by 32 weeks of pregnancy. Other charges are expected at the time of service.
- We will provide you with a worksheet showing your estimated out-of-pocket expenses with a breakdown of payment options meeting our 32 week payment requirement.
General Information About Health Insurance
- Treasure Valley Midwives currently contracted with Medicaid and other insurance companies (see above).
- There is almost always some level of coverage for our care as part of your out-of-network maternity benefits.
- We will bill your insurance for your newborn care, newborn must be added to your policy according to the contract time allowance that you have with your insurance carrier.
- Insurance plans typically have a deductible and coinsurance that the client is responsible for paying.
- Your insurance plan determines the amount that the insurance company will pay for your care. Sometimes the amount that your insurance plan is willing to pay (the ‘allowable amount’) is less than the amount that is billed for your care.
- The State of Idaho does not license freestanding birth centers. Insurance plans will often not cover the facility fee for unlicensed facilities. Insurance plans also will typically not reimburse the homebirth fee.
- Your estimated out-of-pocket expense is based on Global Maternity charges, your deductible, your coinsurance, the Facility Fee or Homebirth Fee.
For example: You are choosing a birth center birth and have an insurance plan that has a $500 deductible and then pays 70% after the deductible has been met. Your coinsurance is 30% (actual contracted allowed amounts will vary by insurance provider)
- Global Maternity charge is $3000. You pay the deductible of $500 leaving a difference of $2500.
- You are responsible for 30% of the difference or $750.
- Your estimated out-of-pocket expense for your insurance plan is $1250 (deductible of $500 + coinsurance of $750).
- You are responsible for the Facility Fee of $1500 . Your total estimated out-of-pocket expense is $2750 (Deductible + Coinsurance + Facility Fee).
- Your insurance plans allowable amount for our fees may be less than what we charge. You will be balance billed for any unpaid portions of your care if you are out of network only.
- Even though insurance plans rarely reimburse our facility fee and homebirth fee we will bill them anyway. If they pay on those claims we are happy to refund you based on the payment amount.
If you have insurance and decide to use it, please remember that your insurance coverage is an agreement between you and the insurance company. We will not be able to answer questions about expenses associated with your insurance plan.
- You will be provided with a fee schedule with the most common charges. The front desk staff is available to answer any financial you questions you may have.
- If you have to transfer out of care for any reason during your pregnancy you will only be charged for the care you received. We will use the fee schedule to determine your balance or refund. (Refer to Financial Agreement and Fee Schedule for complete details)
- All clients are required to complete a Financial Agreement, a Payment Plan and a Mileage Worksheet if applicable. Worksheets will be provided in order to determine your out-of-pocket expenses and a payment plan that works for you.
- A non-refundable deposit of $250 is due at your first visit.
This information is not meant to capture all costs or agreements associated with your care. The front desk staff is available to answer any financial questions at any point before, after or during your care. Refer to the actual Financial Agreement for complete information.
What exactly does my care include?
Global Maternity Care refers to routine maternity care including prenatal care, delivery and routine postpartum care.
Homebirth Fee refers to attendance at your home birth by the traveling midwifery team.
Facility Fee refers to admission and care provided at the birth center birth.
Labwork, ultrasound, newborn care, primary care, any referred services, non-routine lactation care, prescribed medications, vitamins and herbs are not included in Global Maternity Care, Homebirth Fee or Facility Fee. These items are charged separately, and will generally go towards your deductible and coinsurance, unless otherwise specified.
All Newborn Care can be billed to your insurance, and is generally covered as Well Baby visits if your infant is added to your policy within the specified time. Your infant will be considered in the care of Treasure Valley Midwives for the first 28 days. Treasure Valley Midwives will refer your infant to the primary care provider of your choice after the first 4 weeks of life, or before for any procedures or services that we do not provide (i.e. circumcision, vaccinations, etc).
For clients who are paying out of pocket for their care with no insurance billing we offer a discount on the Global Maternity Care fee. The cash discount is 10% when paid at your first visit, or 7% if paying with a credit card.
Our local area is within 30 miles of the birth center. Clients who live beyond 30 miles will be charged a mileage fee for homebirth and home visits. We will use a mileage worksheet to determine the mileage fee.