I am having a home birth and want to find out if my health insurance company is obligated to pay. When I call them, they give me no answers. (Empire Blue Cross) Someone told me there was a law that in NY all insurance companies were obligated to pay for home birth.
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Nope. And here in TX, they aren't, either. I looked into it - wanting a home birth with my last baby. See, they have "in network" providers. My insurance company - Cigna - just doesn't HAVE any in network midwives (in HOUSTON, TX, the 4th largest city in the USA!). They WOULD pay for a midwife in a birthing center - just not in a home. Unfortunately, here in TX, birthing centers are not allowed to do vbacs. It's a racket. They COULD have paid $3000 for all my prenatal and delivery - instead, they've got bills for over $15,000 for a C-section again, as the hospitals don't like to wait for women to labor (time is money!).
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