financial information

What is Natural Born Midwifery Care's fee for midwifery care?

I want midwifery care to be affordable to all of my clients. An early pay discounted fee of $6000.00 is available. This applies to uninsured clients who agree to pay their balance by 34 weeks. 

What is included in your fees?

  • ​All prenatal care, exams, and counseling regarding nutrition, pregnancy, and breastfeeding.

  • All standard labs (OB Panel, STI tests, Glucose testing, Group B Strep)

  • The custom birth kit that I supply.

  • Services from a primary midwife at the birth, including labor support.

  • Assistant Midwife to ensure the safety and health of both mom and baby during birth and immediate postpartum.

  • Continued labor support at the hospital in the event of the need to transfer care, as allowed by hospital rules and regulations.

  • Immediate postpartum support for both mom and baby in the comfort of your home.

  • A complete newborn exam that is done on your bed in front of you and your family.

  • Vitamin K and Erythromycin for your baby if you choose. 

  • Postpartum care for you and your baby done in your home for the first week, then in the office until 6 weeks.

  • Filing of the birth certificate and social security card

  • 2 Newborn screens done to test for metabolic diseases.

Does insurance cover midwifery care?

Natural Born Midwifery Care is OUT-OF-NETWORK with all insurance companies. While many insurance companies do cover midwifery care, we have currently chosen not to participate. Natural Born Midwifery Care can contact your insurance company to determine what your benefits will cover, explain the process to you, and help you determine if billing your insurance or paying the cash price is a better option for your family.  If you choose to bill your insurance, we will submit the claim for the total amount (non-discounted) after the birth of your baby. It is the client's responsibility to understand their out-of-network benefits. 

Here is how the cash pay/ insurance process works:

  • You pay the deposit, which is based on how many weeks you are.

  • You pay what we determine to be your estimated portion (deductible + co-insurance).

  • Your baby is born.

  • We submit a claim for the total amount (non-discounted) dated for the baby's date of birth, based on the actual services and clinical outcomes. We will also bill for any services provided in addition to those covered by the estimated portion.

  • Your insurance "approves" the amount of the claim that they say the care should cost, NOT what we say it costs. 

    • This is typically less than the amount of the actual claim

    • This amount widely varies by plan

    • Your insurance company WILL NOT disclose the approved amounts before submission of your claim.

    • Your insurance company determines your responsible amount

  • The insurance company then applies the approved amount to your deductible

  • ​If the deductible has been met, they will then determine your responsible portion for your co-insurance.

    • ​For example, suppose your out-of-network co-insurance is 50%. In that case, your insurance company will report that you are responsible for 50% of the approved amount (in excess of deductible) & they will pay 50% of the approved amount.
  • If your coverage is a $0 deductible with 100% coverage (no co-insurance), keep in mind this means they cover the amount that they determine or "approve," not the actual cost of care.

  • We can only reimburse you only if you have paid more than the deductible + co-insurance amount after funds are applied to your outstanding balance for services rendered.

  • Refunding deductible amounts or co-insurance payments is insurance fraud, and we do not participate in any form.


As you can see, this is a lengthy and unpredictable process. There is no way to find out in advance how much your insurance company will reimburse. We want to be very clear that there is no guarantee of reimbursement. We submit the claim and hope for the best for you! 

Do you accept Medicaid?

We do not currently accept Medicaid, though we do offer a discount to all of my Medicaid clients.  We are more than happy to sit down with you and come up with a payment arrangement that best suits your needs.

What about health sharing plans?​

We are very familiar with working with programs such as Samaritan, CHM, and Medishare. Some of these programs, such as Samaritan, allow for submitting a "pre-need" request.  You are only responsible for paying your deposit to hold your spot and then await payment from Samaritan Ministries. I will provide you with an invoice that you can send to SMI to ensure your care is funded before 34 weeks. Other programs, such as Medishare, work more similarly to traditional insurance. You pay for your care during your pregnancy & we submit the claim after the baby is born. Be sure to find out from your program what options are available to you!  

Do you have payment plans available?

Yes, we do offer payment plan options and that is the most common way that Natural Born families pay for their care.

The fee does NOT include:

  • Any outside or referred services, such as ultrasounds, doulas, childbirth classes, dietitian, chiropractor, or physician consult referrals OR transport to the hospital and all doctor/hospital fees.

  • Additional lab work, including but not limited to NIPT test (Non-invasive prenatal test - a simple, early blood test that can screen for genetic abnormalities, but also can tell us the gender of baby), SneakPeek, and RhoGam.