The amount you pay for your care with NBWC is determined by your deductible and co-insurance. Your deductible is the amount you pay out of pocket before your insurance starts paying for claims. This resets every year. Your co-insurance amount is the percentage you are responsible for AFTER meeting your deductible. If your plan is not in-network with us, be sure to ask what your out-of-network benefits are, as many people find their out-of-network benefits allow them to affordably receive care with NBWC.
MN law requires health plans to cover routine prenatal labs. These charges MAY be applied to your deductible which will result in an out-of-pocket cost to you. Also, NBWC offers labs that we find helpful to provide excellent care to you like testing thyroid panels, vitamin D levels and a few other tests which are not always considered routine prenatal labs with each company. Each family will have time to decide what labs they choose to run. The cost of these labs, ultrasounds, and other procedures are not included in your estimate letter. At your request, we are happy to assist you in getting a cost breakdown of the labs, however it can be difficult for us to get this information from the labs, so we may not have the most up-to-date breakdown.
Although some plans may state that homebirth is covered, in Minnesota, the major insurance carriers do not cover the homebirth portion of your billing. Some of your care will be billed to insurance, while some will be billed directly to you.
NBWC offers prenatal labs as well as other labs that we find helpful to provide excellent care to you like testing thyroid panels, vitamin D levels and a few other tests which are not always considered routine prenatal labs with each company. Each family will have time to decide what labs they choose to run. The cost of these labs, ultrasounds, and other procedures are not included in your estimate letter. At your request, we are happy to assist you in getting a cost breakdown of the labs, however it can be difficult for us to get this information from the labs, so we may not have the most up-to-date breakdown.
If you are a birth center client, your care will be covered based on your Medicaid plan. For most people, this means the out-of-pocket cost will be limited to fees which are not billable to insurance, including the Midwifery Concierge Fee, any out-of-radius travel fees, or use of nitrous oxide. Your fee agreement will include a full breakdown of any fees which will be billed directly to you.
We do not bill Medicaid for homebirth care at this time. If you wish to have a homebirth, we will offer you a discount off our full homebirth rate as a fully self-pay client and no billing will be submitted to Medicaid.
We love healthsharing plans! They generally cover our services and even some complimentary ones as well!
NBWC offers prenatal labs as well as other labs that we find helpful to provide excellent care to you like testing thyroid panels, vitamin D levels and a few other tests which are not always considered routine prenatal labs with each company. Each family will have time to decide what labs they choose to run. The cost of these labs, ultrasounds, and other procedures are not included in your estimate letter. At your request, we are happy to assist you in getting a cost breakdown of the labs, however it can be difficult for us to get this information from the labs, so we may not have the most up-to-date breakdown.
Medi-Share operates similarly to an insurance company in how they handle billing and reimbursement. If you have Medi-Share, we will bill them directly for your care and handle any reimbursements. This simplifies the process for you significantly as you won’t need to request invoices and send them in to Medi-Share. Because we are submitting claims and handling reimbursement, we cannot offer a discounted rate for your care.
All healthshare claims submissions and reimbursements are your responsibility. Be sure to review your healthshare’s specific requirements for submissions and reimbursements and request any necessary paperwork from NBWC. This is actually a very simple process and we are happy to assist you in it.
Because we are not submitting claims or handling reimbursements, we offer healthshare clients a 40% discount off our full homebirth or birth center rate when they prepay for care.The total will depend on the exact services you receive but will be around $8,500 for a home birth and $12,500 for a birth center birth.
NBWC offers prenatal labs as well as other labs that we find helpful to provide excellent care to you like testing thyroid panels, vitamin D levels and a few other tests which are not always considered routine prenatal labs with each company. Each family will have time to decide what labs they choose to run. The cost of these labs, ultrasounds, and other procedures are not included in your estimate letter. At your request, we are happy to assist you in getting a cost breakdown of the labs, however it can be difficult for us to get this information from the labs, so we may not have the most up-to-date breakdown.
