Checking Your Insurance Benefits

The following are a list of questions you can ask your insurance company to get an idea of what is covered under your plan.

When talking with your insurance company, always note the date and time of the call, as well as the name of the person you are speaking with and where they are located (city, state, country).

1. What date does my policy begin?

Is there a pre-existing waiting period or conditions that need to be met for prenatal, labor, or postpartum care?

2. What are my maternity benefits?

What are my out-of-network maternity benefits (Health Foundations is out-of-network with all insurance companies)? Often, you will find that out-of-network providers are covered at a certain percentage of what is billed.
Is there an annual deductible, coinsurance, or co pays?
If there is a deductible, is there a roll over period where funds applied to the deductible for the prior year can be applied to the following year?
Is pre-certification, authorization, or pregnancy notification required?

3. Do I have a Health Savings or Flexible Spending Account?

If so, you can use this to pay for your midwifery fees. Find out how you can access these funds (a credit card or check book attached to the account, or by submitting invoices to be reimbursed)?

4. Is my provider a “covered provider type”?

Find out if licensed midwives and/or certified professional midwives are covered providers.

5. Is my planned place of birth covered?

Is the professional fees covered if I am planning a home birth?
If I am planning to birth at a “free-standing birth center,” will the facility fee be covered?

If you have any additional questions, please call us at 651.895.2520.