Insurance update – the home birth saga continues

A while back I posted that I was trying to get our insurance company to acknowledge a claim for Julian’s home birth. I made phone call after phone call asking them if they had all of the information they needed to process the claim and each time, they would come back with one more thing that was still needed. I’d send them that “one thing” and then there’d be something else. It was always something.

I received an “explanation of benefits” in the mail from them a few months ago that said the claim had been closed because they hadn’t received everything they’d requested from me (BS!), and that they’d consider reopening it if the information was sent in. I threw up my hands in frustration and pretty much resigned myself to the thought that we would never get anything from them.

Then my midwife told me that she had contracted with a billing company and they could take over my case for me. So I sent them the information they required about two months ago and hadn’t heard a word from them until a couple weeks ago. Jody got a call saying that they needed the “explanation of benefits” that the insurance company sent to me and that they were “very optimistic” that we’d get some money from them.

I dug up that form and Jody faxed it in so now we wait and see. It would be awesome if they end up paying for part (or all!) of my midwife’s fees. Considering we paid $2200 for prenatal care, the birth and postnatal care, it would be a serious bargain for the insurance company. If I had had a hospital birth, which would have involved a c-section since Julian ended up being breech, it would have been tens of thousands of dollars and that’s just for the birth and not including the prenatal/postnatal care.

I’m not holding my breath, but I sure would love to see some of that money back in our pocket. :)