Frequently Asked Questions

Not true! It depends on your insurance. When we do a verification of benefits we look into the language in your policy.   The only people who can say if you can or can't is your insurance - and THAT'S who we talk to.

If your health plan approves a network gap exception, it means they'll agree to treat that particular service from that particular provider as if it's in-network. We will let you know if you can apply for a gap exception when we send you the verification of benefits.

No. You will still pay the fee on the schedule that you agree to with your midwife, according to her financial agreements. Any reimbursement collected from the insurance will pay you back.

No. We can know how much of your deductible is due, and how the billed amounts will be divided between you and your insurance company (example 40/ 60%, or 20/80%). The one thing we won't know until after billing is the allowed amount the insurance company will pay. It sounds strange, but this is how insurance deals with out of network providers.  But we can have a good idea of whether they will cover your care or not.

Please see the list of Services we offer,  which includes pricing and details of each service. Payments are made online using a debit or credit card. 

Deductible: the amount you are responsible for before your insurance begins to pay.

Coinsurance: the division of allowable medical costs between you and your insurance, after your deductible has been met and before your out of pocket maximum has been reached.

Out of Pocket Maximum: the maximum amount you’ll pay towards allowable medical expenses before the insurance covers 100% of the allowable amounts, typically includes deductible, coinsurance, and copays.

Allowable Amounts: a cap your insurance puts on a service; anything over this amount you are responsible for without insurance coverage.