Cost of Care
How Much Do Your Services Cost Out of Pocket?
Our itemized services are priced similarly to other maternity care providers in the area. Typically, routine maternity care services are “bundled” together to streamline the billing process. While this approach simplifies the process, it can still be complex. To ensure accuracy and efficiency, we work with a medical biller who specializes in maternity services to handle this process effectively.
Therefore, our routine maternity care services are bundled to include routine prenatal visits, birth, routine postpartum care, and routine newborn care, offering a significant discount compared to paying for each service separately. The bundled cost of routine care is $8,000.
If we are not in-network with your insurance company or you are uninsured, we offer a Cash Pay/Early Pay Discount. With this discount, your estimated cost of routine care is reduced from $8,000 to $6,000, provided the total is paid by 36 weeks of pregnancy. This represents a savings of $2,000.
The prices listed above reflect the cost of routine midwifery care and do not include the fee for use of the birth center facility.
How Can You Offer this Discount?
Processing insurance claims and writing itemized statements can be both time-consuming and costly. By avoiding the administrative costs of processing insurance claims and itemized statements with our biller, we can pass the savings directly to you.
We are happy to answer any questions or discuss your specific situation further. Please don’t hesitate to reach out—we’re here to help!
Do You Accept My Insurance?
We are in-network with most Blue Cross Blue Shield, Anthem, Cigna, and Aetna plans for midwifery care only. Unfortunately, we are unable to accept Medicaid (TennCare or Kentucky Medicaid plans), Medicare, TRICARE, Exclusive Provider Organization (EPO’s), or Marketplace plans.
Since insurance coverage varies by individual plan, the best way to confirm if we are in-network and determine your maternity benefits is to call the customer service number on the back of your insurance card. Once you begin care our biller will verify your maternity benefits and provide a detailed estimate of your cost for routine services based on your coverage.
We strive to make our services accessible and offer flexible, interest-free payment plans to accommodate different financial situations. Please don’t hesitate to contact us with any questions.
Do You Accept Tricare?
Unfortunately, we do not accept Tricare. As a mixed CNM/CPM team, Tricare does not currently cover our services.
We do offer a Cash Pay/Early Pay Discount which reduces your estimated cost of routine care from $8,000 to$6,000, provided the total is paid by 36 weeks of pregnancy. This represents a savings of $2,000.
If you would like to see Tricare expand its coverage to include all licensed midwives services, we encourage you to contact Tricare and your local Congress representative to advocate for policy changes. Please let us know if you have any questions or need further assistance.
Do You Accept Healthshare Plans?
Yes, however, Clarksville Midwifery and Birth Center cannot currently directly bill any healthshare plan. All healthshare plan members can choose between the Cash Pay/Early Pay Discount (no itemized receipts) or choose to use our biller to create an estimate letter and itemized receipts for submission to their plan once care with Clarksville Midwifery and Birth Center is complete.
The Birth Center Facility Fee
The birth center facility fee covers the use of the birth center for labor, birth, and the immediate postpartum recovery period. Currently all birth center births are charged as self pay as we are not in network with any insurance companies for the facility fee at this time.
The standard facility fee per day is:
$3,000 for the mother
$3,000 for the newborn
Because we are not currently contracted with insurance companies for the per day facility fee, we offer a 50% self-pay discount. This reduces the total facility fee to $3,000 combined for both mother and baby. This is often less than what most people would pay when using their insurance for a facility fee.
Please note that this fee is separate from the midwifery care fee.
Birth Assistant Fee
For safety reasons, Clarksville Midwifery and Birth Center makes every effort for our midwives to not attend births alone. We make every effort to have at least two professionals present at every birth: a midwife and a birth assistant. This ensures a higher level of care and support during your birth experience.
Cost: $450
Are There Additional Charges?
Yes. At Clarksville Midwifery, we strive to be as transparent as possible about our pricing. However, like other maternity care providers, the estimate of care we provide is an estimate and not a final bill. Below is a list of examples of potential additional charges. These are not included in your estimate for one of two reasons:
Not everyone requires them.
They are items or services provided by external providers or facilities that you may be referred to
Please note, this list is not exhaustive, and additional charges may apply based on your individual needs. Let us know if you have any questions or need further clarification.
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Unmedicated childbirth is hard work, but doable. It can be especially challenging for first-time parents. To help you prepare, we strongly encourage all our clients to attend a high-quality, in-person childbirth class. This is particularly important for those who have not experienced an unmedicated birth before.
Class Recommendations: We will provide a list of recommended classes during your care.
Cost: Prices typically range from $150–$400, depending on the class you choose.
This cost is set by and paid directly to your childbirth instructor. -
Not all clients require medications or special supplements beyond a prenatal vitamin during pregnancy, birth, or in the postpartum period. For this reason, these costs are only charged to clients who need them.
Cost: Prices vary depending on individual needs and are charged only as applicable.
Examples of Additional Items:
Rhogam: For Rh-negative clients.
Pitocin or Other Anti-hemorrhagic Medications: Pitocin is not only used for excessive postpartum bleeding. Active management of the third stage is offered to ALL.
Herbal Tinctures: When desired as an alternative to recommended medications.
Suture Supplies: For postpartum repairs if needed.
Newborn Medications: Based on specific circumstances.
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Routine appointments are included in your estimate of care. However, if additional visits are needed beyond the routine schedule, they will incur additional charges.
Cost: Charges vary and are based on type of visit and time involved in the visit.
Examples of Non-Routine Visits:Problem visits
Additional post-dates checkups
Additional labor support visits
Additional newborn weight checks
Additional lactation support appointments
Mental health visits
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Some tests and supplies may be recommended based on individual circumstances. These are not included in routine care and will incur additional charges if needed.
Cost: Charges vary depending on the specific test or supply and the client’s individual needs.
Examples:Non-Stress Testing (NSTs): For clients of advanced maternal age or those past their due date.
Ultrasounds: To check fetal position at term, if necessary.
Venipuncture: For in-office lab draws, if necessary.
Cook’s Catheter: For cervical ripening before labor, if necessary.
Fresh Test: A natural, evidence-based alternative to the standard glucose drink.
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To help us determine that you are low-risk and appropriate for an out-of-hospital birth, we recommend standard labs, tests, and screenings.
Cost: Prices will vary based on your insurance coverage or the facility’s cash-pay rates.
Where These Are Performed: These tests are typically conducted at a local lab or ultrasound facility.
Billing and Costs:The facility performing the tests will bill you directly for these services.
Most facilities accept insurance plans and offer cash-pay options for uninsured clients.
Laboratory Discounts for Uninsured & Self-Pay Families
Larger Discount via Clarksville Midwifery: A large discount applies if LabCorp sends the bill to Clarksville Midwifery.
Significant Discounts: Uninsured families can receive a discount of approximately 60-80% on lab work when using LabCorp when it is billed to Clarksville Midwifery.
Variable Pricing: Lab prices may vary depending on your specific laboratory needs.
Billing Process:
When LabCorp sends the bill to Clarksville Midwifery, CM will pay LabCorp and then bill you at a discounted rate.
To qualify for having Clarksville Midwifery pay your bill, you must agree to pay CM within 30 days of receiving notification of the charges otherwise late fees will be applied per your financial contract.
Exclusions: Genetic screening labs are not eligible to be billed through Clarksville Midwifery and must be paid directly to the lab.
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Services performed by another provider or facility, even if referred by a Clarksville Midwifery and Birth Center provider, are not included in your estimate of care. These services will be billed directly by the provider or facility performing them.
Please Note: Clarksville Midwifery and Birth Center has no control or influence over these charges. If you receive a bill from another provider or facility and have billing questions, please contact their billing department directly for assistance. -
Please Note: It may take up to 6 months to process fees for additional services after your care has been completed. If you have questions about any bills you’ve received, please don’t hesitate to reach out to us. We are happy to assist you and help clarify any billing concerns.