Before Claims are Submitted

What do I have to do to get you to bill my insurance?

E-mail our private insurance biller at urbiller@gmail.com and request a Verification of Benefits (VOB). This costs $25 and includes a detailed description of your insurance coverage for a planned community birth. 
You must have a VOB on file in order to have your private insurance billed for reimbursement.

When are claims submitted?

Claims are usually submitted following your final postpartum/newborn visit, however sometimes claims are submitted during your care. Our biller will notify you each time a claim is submitted.

After Claims are Submitted

I transferred to a hospital for my birth. Can you still bill my insurance?

Yes. Your insurance can be billed for all services rendered by your midwife. This might include prenatal visits, labor support, or postpartum/newborn follow-up once you were discharged from the hospital.

My insurance company sent me a check. Why?

We ask all insurance companies to send payments directly to us, not to you.
Some companies have a policy to send checks to the client instead.
​If this happens to you, please...

1. Deposit the check into your bank account.
2. Write a check to Welcome Home Midwifery Services, Inc. in the same amount.
3. Mail the check to us or bring it to our office.

If you cannot do this, please let us know as soon as possible.

Can I keep the money?

No, you cannot. For reimbursement claims, you can be reimbursed up to the amount you have already paid Welcome Home for your care. If you keep an insurance payment in excess of what you have paid us, this is theft.

Why are there multiple checks/payments, and why do they come at different times?

We bill for each service rendered, and insurance companies usually take 30-90 days to pay each bill for each service.

I didn't have surgery. Why have I been billed for a surgery?

Normal birth is labeled a surgical procedure by insurance companies.