FAQs

• Do you attend births in Kentucky?
  
  

  YES! If you live within an hour’s drive of Clarksville, TN

• Do you attend births on Fort Campbell? 
  
  YES! As KY licensed midwives we can attend homebirths on Post
  
  

• Do you take insurance?

  YES! We are in-network with most Blue Cross Blue Shield, Anthem, Cigna, and Aetna.  Unfortunately we are NOT able to accept Medicaid (TennCare, or KY Medicaid plans), Medicare, TRICARE or MARKET PLACE plans. Each insurance company offers different plans that varies from person to person. The fastest way to know if we are in-network with your insurance plan and what your maternity benefits are is to call the number on the back of your card and ask them. We try to work with everyone’s financial situation and offer flexible interest free payment plans.

• How much do your services cost out of pocket?

The total cost of care is approximately $7500 if we bill for every visit, the birth and the postpartum care for you can your baby. BUT if we are not in-network with your insurance company or you are uninsured we offer a sliding fee scale based on your gross monthly household income (before taxes are taken out). Because the sliding scale fee is income based, the total price will vary from family to family. The sliding scale fees range from $4000 up to $5000. Basically if you add your total household monthly income before taxes together and it falls between $4000 and $5000 that is what you pay! If the total is less than $4000 a month the cost would be $4000. If the total is more than $5000 a month then we discount your cost to $5000. We try to work with everyone by offering reasonable interest free payment plans upon request. This is a discount of $2500  to $3500 off the cost of your care when you bundle your care together with your prenatals, birth, and postpartum care. 

• Do you take Tricare?
  
  Unfortunately no. As a mixed CNM/CPM team Tricare will not cover our services. We do offer a sliding scale fee for our families who we are not in-network with their insurance based on your gross household monthly income. The sliding scale fees range from $4000 up to $5000. Basically if you add your total monthly household income before taxes together and it falls between $4000 and $5000 that is what you pay! If the total is less than $4000 a month the cost would be $4000. If the total is more than $5000 a month then your cost is $5000. We try to work with everyone by offering reasonable interest free payment plans upon request. This is a discount of $2500  to $3500 off the cost of your care when you bundle your care together with your prenatals, birth, and postpartum care.

  If you would like to see Tricare coverage for all midwifery services, please contact Tricare and your local Congress person to ask for changes to Tricare policy.

• What if I have done part of my care with another provider already, do I have to pay the whole fee?
  
  Because we are bundling your prenatal, birth, and postpartum care to give you a discount from the $7500 we are already giving you a significant discount than if you paid for each of your remaining visits. We recommend that you use the sliding scale pay fee if you qualify for it. But we are happy to itemize (break down each visit/procedure into the full price per line item) and send it to our biller to calculate. The vast majority of people, even when coming into care in the third trimester, will pay more for itemized services than the sliding scale price.
• I’m getting care someplace else, can you only come for my delivery?

  No, we need to know that you are a good candidate for homebirth. There is a lot that goes into preparing your family for this. It takes time to review all of your records and build a relationship. But we do accept transfers of care even late into pregnancy. 

• Am I a good candidate for a homebirth with midwives?
  
  Homebirth and midwifery care are for low-risk pregnancy and birth. Pregnancy is a normal physiologic process and most pregnant people can have a healthy pregnancy without complications. Midwives use prenatal care to continually assess and evaluate risk status. Many risks can be lowered or avoided by good nutrition and healthy lifestyle choices.

High-risk conditions that are not appropriate for homebirth:

• Insulin dependent diabetes
• Severe preeclampsia
• Chronic high blood pressure
• Gestational diabetes that requires medication to control
• Preterm birth

Services that are high-risk/not offered at a homebirth

• Pitocin induction/augmentation
• Vacuum or forceps
• Cesarean section
• Blood transfusion
• Anesthesia-epidural or IV pain medications that can cause respiratory depression in the baby
• Continuous fetal monitoring. (Evidence has shown that in low risk pregnancies continuous fetal monitoring increases the cesarean section rate without improving fetal outcomes).

Complications that can be managed at a homebirth

• Neonatal resuscitation
• Management of hemorrhage
• Repair of tears-lidocaine is used for pain control with stitches
• Dehydration-IV fluids can be given if needed

If you have more questions and do not see the answers here, please contact us to set up a free consultation at clarksvillemidwifery@gmail.com.