Paying for maternity care out-of-pocket is a concept outside the comfort zone of many Americans. More than half of all births in Indiana for example, are covered by Medicaid. Our practice has discontinued our participation within the Medicaid program, however, and have ceased filing insurance claims with third party payers. Homebirth is certainly not mainstream, so as couples explore their options, considering the cost of homebirth is high on the list of discussion points.
The number one reason couples choose to birth at home is because they believe it to be the safest option (Boucher, Bennett, McFarlin, & Freeze, 2009). Unfortunately we live in a society in which our healthcare infrastructure demands the movement of patients through clinic visits with the efficiently of an assembly line and providers thrive best by securing those procedures which will return the highest dollar. Maternal and child health, however, suffers under these terms. Midwifery is the answer, but its model is juxtapose against the medical model and therefore, struggles to get a foothold within the current infrastructure. If the childbearing family seeks care that is time-intensive, education-rich, and intervention-free, they will need to personally invest.
Consider the cost one pays when they purchase their teenage child their first dependable car, or pay for the insurance to cover their young driver a single year. These expenses are both likely greater than the expense of securing the care of a nurse-midwife for the entire child-bearing year. Our maternity fee is a mere fraction of what parents pay for a single term at a private college, and one-fourth of what the average young couple pays for their wedding in the United States, not including the honeymoon or engagement ring.
A wedding is a single day. A term of college is but a few short months. A car may last ten years if one is lucky. The care of your midwife will last an entire lifetime. We do not apologize for our fees or not accepting insurance and Medicaid. In fact, we believe are fees are far too low for the standards of our society. Our nurse-midwife earns less than bedside nurses, and none of our staff have medical insurance. However, we each live within our means and we appreciate the autonomy to practice our passion. As expenses increase through the years, so will our fees. We challenge you to find a better investment for mom and baby, than midwifery care for the childbearing year.