A home birth in Kentucky can range anywhere from $2,000 to $7,000 depending on the midwife you choose, what area she is located in, and her experience. Most often, this fee is paid out of pocket. Typically, insurance companies will NOT cover a birth attended by a CPM, as they are not yet licensed in our state. Some individuals have luck submitting a claim with their insurance company after the birth and receiving a partial reimbursement. Insurance may fully cover birth with a CNM, depending on if she is in-network.
A midwife’s fee includes all prenatal care, the birth, and postpartum/newborn care. There may be other costs involved, such as birth supply kits or pool/pumps (for water births). Outside tests and ultrasounds are not included in the initial fee.