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HOME BIRTH LETTER

A sample letter to insurance companies asking for coverage for home birth.

(Date)
 
(Insurance Person
Insurance Carrier
Address)
 
Dear ( ):
 

Under my current insurance plan, care by_________________, a certified nurse-midwife/certified midwife (choose one) is not a covered benefit.  I am writing to request an exception to this policy and authorization for full coverage for my prenatal, birth, and postpartum care under the care of _______________ for a home birth, and hospital transfer if medically necessary.  Because I would like to continue to access the midwifery philosophy of care for my future gynecological and family planning services, I am requesting ______________be credentialed as part of the Plan's network.  Home birth is a safe, cost-effective and patient-responsive health care site for low-risk women. The safety of home birth increases when women who prefer this option have access to continuity of care from home to hospital.

The services by_____________ include prenatal care, labor and birth as well as postpartum visits. The CNM/CM (choose one) ____________will be working collaboratively with Dr._____________ who will be available for consultation, collaboration and transfer of care if needed.  If transfer of care during labor becomes necessary, Dr. ____________ will be available at___________ hospital.

Certified nurse-midwives are licensed professionals experienced in providing clinical care, health education and follow up for low-risk mothers and their families. Midwifery views child birth as a natural event and therefore uses technological and invasive interventions only when medically necessary. Midwifery care is safe, cost-effective and patient-responsive health care, which produces good outcomes, lower cesarean section rates, and high levels of patient satisfaction. According to a study reported in Obstetrics and Gynecology, the outcomes of intended home births in nurse-midwifery practices demonstrate outcomes which are comparable to hospital birth practices.*

I would like to obtain your authorization for an exception to cover my care by _______________ (name of midwife) and for you to include her/him in the plan network for the following reasons:

  • I want non-interventive childbirth with competent labor and delivery assistance at home and safe hospital back-up in case of emergency. ______________ CNM/CM (choose one) provides this option.
  • Home births are a safe alternative to hospital births for low-risk women.
  • The lower costs associated with midwifery care and home births are due to less unnecessary technological and surgical interventions, lower overall personnel costs and decreased facility charges.
  • I understand that the safest place for induction, augmentation or regional anesthesia in labor is at a hospital. If these or other medical interventions become necessary during my labor, I will gladly transfer to a hospital.  At my home, IM and IV pain medication may be available, if I desire.
  • I want to breastfeed my newborn immediately after birth and to have total support and education by my provider in this. ___________ offers this support, as well as continuous breastfeeding advice for my child's first weeks of life.
  • ____________'s rate of transfer is very low due to her/his screening process. S/he is careful to attempt home delivery of women with low-risk pregnancies only. A patient is co-managed with the physician and hospital delivery is planned if the woman becomes an inappropriate candidate for home birth.
  • I have been a patient of another provider and have not been satisfied with the care.
  • For your information, the ____________, CNM/ CM (choose one) contracts with the following insurers for home births: __________________________________________. (list all insurers they contract with, including Medicare and/or Medicaid.) 

I am now (   ) months pregnant and would like to transfer as soon as possible to care by_______________, CNM/CM (choose one).  I sincerely hope you will grant me an exception.  I wish to have a well-monitored childbirth responsive to my needs, and feel I am best able to obtain that care with a certified midwife at home. I know that ____________ Health Plan is committed to patient needs and providing high quality cost-effective care.

For further questions, please contact ___________, CNM/CM (choose one) at (xxx) xxx-xxxx. Thank you for your consideration.

 

Sincerely,
 
(Your name, address,
phone number here)
Ins. ID number
 

Cc: Midwife

Benefits person in human resources department at work

*Murphy PA, Fullerton J. Outcomes of intended home births in nurse-midwifery practice: a prospective descriptive study. Obstet Gynecol 1998; 92:461-470

Additional Resources

Birth Center Letter

Midwifery Care/Hospital Letter


 

 

 

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