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Insurance Info
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PPO Insurance
Most PPO plans will cover Midwifery care at the Out-of-Network rates. We do not contract with any PPO insurance companies nor do we enter in to any insurance agreements with your specific plan.
If you have Cigna, Blue Cross, Blue Shield, BC/BS, Aetna, Healthnet orUnited Healthcare and it is a PPO, you can call the customer service number on the back of the card and inquire if "Midwifery Care by a California Licensed Midwife" is covered by your policy. We could have 10 women with Blue Cross and each one will have a different policy and benefits.
If Midwifery Care is a covered benefit you can then ask if there are any contracted midwives within 30 miles of your home address. If there are no contracted midwives, then you may be eligible for an in-network exception called a GAP exception.
Clients pay for their services throughout their pregnancy and work with our biller for any insurance reimbursement.
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Health Shares
Families with a HealthShare account such as Christian Healthcare Ministries, Samaritans Ministry, Solidarity etc. will also work with Earthsidebilling (insurance biller) for reimbursement. As with any insurance, you'll pay for the care up front and get reimbursed by your health share plan. Some families have a deductible they must meet and are reimbursed the remaining balance once the deductible is met.
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NOt Covered
If you have any of the following insurance types, your care with us WILL NOT BE COVERED BY YOUR INSURANCE:
- Any MediCal program; Straight MediCal, IEHP, Molina, LA Care, etc.
- ANY HMO including BC, BS, Cigna, UHC, Aetna regardless of whether midwives are a covered entity or not. AA Midwifery is not contracted with any HMO.
- Kaiser
** Those with EPO or POS will have to contact their insurance to verify coverage.
- Any MediCal program; Straight MediCal, IEHP, Molina, LA Care, etc.
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Earthside billing
We DO NOT do insurance billing and can only provide a recipt for your payments but not a superbill with billing codes.
Those with a PPO insurance wanting to bill for services will contract with and pay Earthside Billing to submit claims. Reimbursements are processed AFTER you baby is delivered due to how midwifery care is coded and billed for.
Once you have made the decision you can go to Earthside's website and begin a VOB: Verification of Benefits. Earthside charges $40 for this service as it is typically a 1-2 hour call with the insurance company. Once they have obtained the VOB they will contact you to set up a time to discuss your benefits and what is covered. You can then decide if you'd like to contract with Earthside to do insurance billing for you. Once you contract with Earthside, they will be granted access to your chart so they bill for care of both you and the baby.
Click the link to get started on your VOB
