Financial:

Consults: Free 30 minute consults are available by phone or in person. Email [email protected]

Global Fee: $6000.  The global feel (includes routine prenatal visits, labor and delivery and birth assistant and postpartum visits days 1 and 3, a 2 week office or Telehealth visit and an in office visit at 4-8 weeks.

First Time Vaginal Births: While we love to serve families having a first vaginal birth, the resources required are nearly double that of a woman who has had prior vaginal births. We do an extra home visit built into our package. There will be an additional $1500 fee for having a first time vaginal birth. That fee is due at 35 weeks. It is nonrefundable even if you risk out of our care.  As we are not in network with insurance, this doesn’t matter to us. Private insurance does increase reimbursement on “prolonged labor” where we are there over 24 hours. These charges do not include the NRP certified doula fees we require our clients to hire outside of our care or the natural childbirth classes we require our first time vaginal birthing clients to take.

Newborn care: (immediate exam, screenings, etc) is billed separately and varies according to care choices of the parents. We do not serve anyone who declines routine newborn care meaning newborn being seen, weighed and examined. If there is a transfer prior to birth or clients decline PKU, the PKU fee will be refunded. We offer the PKU, the CCHD and the hearing screenings as well as use of our biliblanket and transcutaneous bilirubinometer if needed and approved by pediatric provider. We keep mother and baby together as much as possible by using our biliblaket to avoid NICU as jaundice is the most common admission to hospital reason for newborns regardless of place of delivery. Vaccines are between you and your pediatric provider. We do not carry vaccines.

Home visits: First time mothers get 3 home postpartum visits standard and women with prior children get 2 standard. Typically one of the three visits for first time mothers is from one of our IBCLCs or CLCs. We are providing 36-40 week in home visits for our standard clients.

Uninsured: Families whose insurance does not cover homebirth or are uninsured may qualify for money off both the global and newborn services for timely payment.

Other costs: Birth tub rental, nitrous oxide, labs, cord blood, bilirubin checks for babies, newborn screenings, use of our home bili blanket, veinipuncture, lactation etc are billed in addition to our global fee as they are needed.  These services may or may not be covered by your insurance. Please budget accordingly.

Health Sharing Networks: We are happy to take women who are using a  health sharing plan such as Samaritan Ministries, Zion or Christian Health Ministries or Medishare etc. Email us to ask our payment schedule for clients with Samaritan, Zion, Medicare or CHM. Because many of our midwives are healthcare members ourselves, MidwivesCare LLC provides a HealthShare credit as well as enhanced services to members of Samaritan Classic, Zion, CHM and Medicare with shareable amounts 6000 and under.

Need: Select Illinois medicaid plans will reimburse select services. Medicaid is fee for service and so does not pay for all services. Please email us to determine which services your plan includes.

Insurance: Some HMOs have been known to cover homebirth as an out of network service because there are no in network providers. PPOs generally cover at out of network rate. However we service many areas without an in network provider. Homebirth is now a covered service in Illinois as of 2025. So most of our clients get in network exceptions/ppo waivers/gap exceptions that allow our charges to go toward in network deductible. Coverage varies. Some companies that will not cover the delivery will consider the office visits a covered cost. “Covered” does not mean “paid in full.” As we are not in network with any insurance, we will “balance bill.” That means you will be responsible for our charges regardless of what you see on your insurance statment. Your insurance company will inform you of this. Over 80% of our clients with ppo insurance with deductibles $2000 and under will see reimbursement. The average reimbursement our PPO clients seem to get is $1500-3000. Varies greatly from nothing to complete reimbursement. Clients wanting to use insurance are responsible to call their own insurance companies and be aware of checking their own claims and understanding their own in and out of network deductibles. Clients who want PPO waivers to obtain a higher level of reimbursement are responsible to discuss with their insurance. Our professional biller at MidwivesCare LLC can assist with a call to  insurance for you to verify your benefits or do your PPO waiver if you request this help. You can also do it yourself. Failure to do so may result in you receiving less back than you anticipated or being denied. We do submit claims electronically via our biller. We do provide receipts. We will not provide coded superbills with dates of service to clients for self submission as that is why we pay the biller. However clients can keep track of their own dates of service and code their own if desired and submit to their insurance themselves if they wish. Please understand that your deductible resets every year in January. It usually increases.

Billing

Payment schedule: Payment of $200 due at the first new patient visit.  The next $2000 must be paid at 28 weeks (nonrefundable). Remainder of fee is due at 35 weeks. This money is nonrefundable. Clients transferring care to us prior to 32 weeks will put $2000 at entry to practice down plus their 35 week payment. If you transfer care after 35 weeks either due to circumstances or by choice and MidwivesCare LLC does not do the delivery, we still receive that payment even if we did not get to labor with you at home because we have saved your due date in the practice. We will attempt to go with you to the hospital. Either one of our midwives who are also certified as doulas or one of our birth assistants certified as doulas will offer to come with you. If we are denied, one of our assistants offers virtual doula services. Homebirth is a concierge service; we take limited numbers of women a month. You will receive back what we receive from the insurance company (after we balance bill for newborn services and fee for professional billing of insurance) for the global fee and newborn services when it comes. This may take several months even as long as two years with appeals etc depending on the company. You are advised to being checking on your claims on your insurance website regularly about 4 months after the birth.  Then you can see your evidence of benefits (EOB) for yourself and your baby.