Deciding to become a parent, give birth, and care for a baby is one of the most important and miraculous events in our lives. When families feel safe and supported, it is an empowering and transformational experience which sets the stage for deep bonding and increased confidence in parenting. Being pregnant and giving birth deserves time, attention, care, and celebration! It is an event of a lifetime.


Throughout our lives we devote time, thought and money to the many endeavors we think are important or necessary: getting a cell phone, computer or tablet, education, clothes, finding a home, buying a car, planning a wedding, finding the perfect present, going out to eat or going on vacation. These are all different for each of us but what is true for all of us is that we prioritize our finances around what we value the most. What is more important than bringing life into the world? Or more important that being in control of your prenatal care and birth experience?


  • The base fee for home birth midwifery care is $4,800. This fee includes all prenatal care visits which are 1 hour long, 24 hour access to the midwife throughout your pregnancy and postpartum period, attendance at your birth, 2 home visits postpartum and 2 and 6-8 week postpartum visits. Additional fees on top of the base fee include mileage, tub rental, medications and billing. Prenatal visits are paid for at each visit and are deducted from the total amount due. The remaining amount is due at 36 weeks. There are no further charges for prenatal visits after the full fee is paid at 36 weeks. 


  • Other fees include payment for an experienced midwife assistant at the birth ($900). This is paid separately to her at the 36 week home visit. Each expecting family is also responsible for purchasing their personal birth supplies ($60-$150). Lab work, ultrasounds, and consultations with other providers are also not included but are generally covered under most insurance plans. 


To secure your care with Mama Bear Midwifery, a $500 non-refundable deposit is due at the time of your first visit. This is deducted from the final balance.  


I am interested in making sure that families wanting a home birth have access to one and I am willing to make any reasonable attempt to serve those who need financial flexibility. Please address this with me at the consult visit.


  • Clients will receive an itemized bill from Mama Bear after the birth which they submit to the insurance company. Reimbursement then comes after the billing is submitted and accepted. Reimbursement usually comes between 2-6 months.

  • Every insurance company is different and covers home birth to varying degrees. I am considered "out of network" for all insurance companies.  I recommend that you call your insurance company to find out if home birth is covered by an "out of network" provider and what the "allowable" amount is for a home birth.  The "allowable amount" is the amount insurance companies set for reimbursement. It is not dependent upon my fee. You can ask your insurance company to run a "test case" to find out what the "allowable" amount is.  

  • A billing fee will be charged if any pre-determination letter or any other forms/letter need to be filled out at any point for reimbursement.