Giving birth in your game room? Make Sure It insurance cover

Giving birth in your game room? Make Sure It insurance cover -

These days, you should not be kickin 'it pioneer style to give birth to your baby home. The concept has become increasingly popular in recent years. Data from the latest government show that home births increased by 29 percent between 04 and 09. In fact, 29,650 births were at home, which is the highest number since records began to be kept in 1989.

by opting for a home birth, there are many things to consider carefully. The cost and health insurance coverage are two of the biggest. The average cost of a typical birth in hospital is $ 5,000 to $ 10,000. A home birth without complications costs much less -. Between $ 1,500 and $ 5,000

Will your insurance cover home births

Coverage of home births varies? widely depending on what state you live and what insurance carrier you have.

Some insurance carriers offer a limited amount of coverage as a midwife oversees delivery. Other carriers consider a home birth "medically inappropriate" and does not cover at all. Then there are carriers that fully cover your midwife attended birth regardless of whether it occurs in a hospital, your home or pool your neighbor!

Knowing the facts

• In 09, over 60 percent of home births were attended by midwives. Only 5 percent were monitored by a doctor.
• When a doctor is present, the cost of home birth worsen significantly.
• Only a handful of states require insurers to cover home births, including New Hampshire, New York and Vermont.
• If your insurance covers birth at home, the amount of coverage depends on who provides the equipment. In most cases, the midwife will already provides the fetal monitor. However, things such as rubber sheets for the bed or delivery tubs will most likely not be covered.
• Some states require midwives to have insurance against malpractice to be eligible for reimbursement of Medicare plans.

If this information did you make premature Lamaze breathing, fear not. There are a variety of online resources that can take this conversation further. An excellent source for pregnant women considering home birth is TheBigPushforMidwives.org.

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