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?
Insurance & Fees
Prenatal, birth & postpartum care
I am an "out of network provider" which means I do not have billing and reimbursement agreements with any insurance companies. I no longer work with a biller (since end of 2026). What I do is give a medical receipt after each visit which clients then submit to their insurance company for reimbursement.
Insurance
For commercial insurance plans, the amount reimbursed depends on your out of network deductible, co-insurance and allowable amount reimbursed (which is set by the insurance company and not based on my fee). Because it is unclear how much insurance will cover for my services, I recommend that families base their decision to work with me on paying the full fee.
For Medicaid insurance, I no longer bill Medicaid plans (since mid-2025) because the reimbursement rate for my care is too low for me to survive as a business. This is extremely disappointing. Families with this insurance would have to pay the cash fee ($5,300) for my care.
Fees:
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The total cash fee is $5,300 which is due by 36 weeks. Clients pay down this balance with the non-refundable deposit and fee for each visit.
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$1,000: non-refundable deposit to retain my services: This fee is due by the first visit or before any care is provided.
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$250: visit fee. This is paid each visit until the full fee is due.
Other fees associated with having a home birth NOT covered by insurance:
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$900-$1,100 for midwife assistant
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$100(ish) for birth supplies
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Doula (required if this is your first baby)
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Childbirth education and labor preparation (required if this is your first baby)
Well-person care
The fee for this visit is $250.