Payment
The global fee for services offered by Community Midwives LLC is $5200. This does not include postpartum and newborn charges. For BadgerCare and Non-HMO Insurance billing, a professional midwifery billing service may be used.
Please ask Ingrid for the detailed payment contract that fits your situation: BadgerCare, Non-HMO Insurance, or Self-Pay. These contracts detail services covered and address frequently asked questions. Your payment contract is a legally binding contract. Everyone working with Community Midwives receives the same individualized attention and access to service resources regardless of method or timing of payment.
Madison-area HMOs (DeanCare, Group Health Cooperative, Quartz, etc.) do not currently cover out-of-hospital midwives or homebirth. If your insurance plan does not cover midwives and homebirth, consider writing a letter of complaint to your company and to cc the State Insurance Commissioner. (State Insurance Commissioner - complaint form)
There is no reduced fee for late entry to care, reduced or declined services, or a precipitous (fast) labor and birth.
Self-Pay/Prepay Discount
Community Midwives LLC offers a discounted, all-inclusive, out-of-pocket prepayment fee of $4200. The prepayment fee is $3900 if you have had a baby with Community Midwives LLC previously. Please pay as much of the fee as you are able to at or before 36 weeks gestation. Cash, personal check, bank check, PayPal and Zelle are welcome. You are welcome to pay in full at any time or in installments and increments that work best for you. Self-paying clients frequently use flex spending or medical savings accounts (FSA/MSA) to pay for midwifery and homebirth services, and Ingrid is happy to furnish you with a full invoice for that purpose.
BadgerCare/Medicaid
BadgerCare (a common name for Medicaid in Wisconsin) typically covers most midwifery, homebirth and newborn services. A process of HMO exemption is required for both parent and baby so that Community Midwives LLC can bill for you. This process, as well as specific services covered and not covered by BadgerCare, are detailed in the BadgerCare payment contract. For services that Ingrid is unable to bill to BadgerCare, there is an out-of-pocket fee. If you have insurance in addition to BadgerCare, you will be required to work with Integrity Billing Group, the professional biller used by Community Midwives LLC. They will bill your primary insurance first, as required by law, then submit unpaid amounts to BadgerCare as your secondary insurance.
Non-HMO Insurance
Non-HMO insurance companies, such as Blue Cross/Blue Shield, Cigna, United Health Care, etc. may cover some or all midwifery, homebirth and newborn services. A process of verification of benefits with Tony Skarlatos, a professional insurance biller used by Community Midwives LLC, is required (tony@integritybillinggroup.com). This process has a small fee of $25. Tony will make a knowledgeable, experience-based recommendation as to whether billing your non-HMO insurance will be advantageous for you. Community Midwives LLC expects full payment of all fees billed, including the global fee ($5200) plus newborn care, lactation assistance, home visits, etc. as appropriate. Community Midwives LLC will bill you for deductibles, co-pays and denied charges, unless you have BadgerCare as a secondary insurance, in which case Tony will submit unpaid amounts to BadgerCare.