How much does a home birth cost? Can I use insurance?

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. We are hoping the licensing process will be finalized during the summer of 2020.

Some individuals have luck submitting a claim with their insurance company after the birth and receiving a partial reimbursement afterwards. Insurance may fully cover birth with a CNM, depending on if she is in-network.

*You may be able to use HSA/FSA funds to pay your midwife, but YOU SHOULD BE PREPARED TO PAY THE FULL FEE OUT OF POCKET.

A midwife’s fee includes all prenatal care, the birth, and postpartum/newborn care. the supplies for prenatal care, the birth and supplies needed for it, and postpartum/newborn care and supplies. It includes the time she is on call for you for 24/7 for weeks at time, the gas it takes to visit you, the charting and paperwork, the extremely detailed and personalized care for you as an individual and her expertise and knowledge. There may be other costs involved, such as birth supply kits or pool/pumps (for water births, if your midwife does not supply a pool). Outside tests and ultrasounds are NOT included in the initial fee.

DO NOT expect the midwife to charge only part of her fee just because you are coming into care late in your pregnancy.** A midwife’s fee is not just for the one day you give birth. It includes all prenatal, postpartum, and newborn care, including catching up on information if you transfer to her late. Some midwives may offer sliding scale payments based off your income. Ask your midwife if she offers payment plans.

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