All insurance plans in the State of Florida are required by law to cover midwifery services.
Florida law requires that maternity care coverage include the services of certified nurse-midwives and midwives licensed pursuant to Chapter 467 and the services of birth centers licensed under ss. 383.30-383.335.-- emphasis supplied [See Florida Statutes, s.626.6406; s.627.6574; and s. 641.31(18)]. In requiring such coverage, Section 467.002, F.S. specifically recognizes the need for a person to have the freedom to choose the manner, cost and setting for giving birth. The law requires that maternity coverage include midwifery services and provides that an insured or enrollee be given the option of choosing the setting for receiving such services. Therefore, no HMO contract or insurance policy may directly or indirectly deny reimbursement for midwifery services rendered in a home birth setting."
We are in-network providers with Blue Cross/Blue Shield, Aetna, Cigna, Avmed & United.
If you have another plan and can access out-of-network benefits these benefits will often cover 70-80% of our fees, less your deductible. Lab work, costs of any additional testing and hospital fees are covered by most plans on an in-network basis, even if your care providers are out-of-network. Contact your insurance company for more information and verification of out-of-network benefits.
Please call us with individual questions about insurance coverage, our fees and payment plans.