Insurance Woes

Worst case scenario happened...WEA Trust, my school district's insurance plan, has refused to cover any of our Certified Professional Midwife's services.  Not even an out-of-network percentage.  Their reasoning is that LaNette, the midwife we were working with, is not a nurse, and therefore, the plan will not cover any of the claims submitted.  I found this out a couple of weeks ago after the insurance company called me, and I was super bummed.  We have absolutely loved working with LaNette, and she has been everything we were looking for in a provider.

After I had my meltdown, I took the recommendations of LaNette and a Physician's Assistant friend here in the Milwaukee area, and we decided to go with Aurora Sinai Midwifery and Wellness Center.  It's a group practice of Certified Nurse Midwives, and they have birthing privileges at the Aurora Birth Center.  We took a tour of the birthing center, and it seemed nice (like a hotel room nice), except that they don't allow water births.  They do have a whirlpool to labor in, so that's close.  It's on a first-come-first-served basis, and the nurse that gave us the tour said that not many people use it.  Good.  That means that as soon as I get there, I'm jumping in and not getting out until the baby is delivered.  Nate reminded me that if I do that, they'll probably drug me.

I look at it like this: having a baby out of the "standard hospital-OB/GYN birth" box is a luxury birth, even though it costs significantly less.  Some behind-the-times insurance companies refuse to recognize that there are other options to having a baby that cost half the amount of what the traditional methods cost, and these options are just as safe.  Unfortunately, Nate and I cannot afford to pay the near $5,000 it would cost us to have the prenatal care and delivery that we wanted, so we're forced to have the baby in a traditional hospital setting.  Of course, this all happened for a reason, and whatever reason that is, I've been trusted to have this experience, even though this wasn't exactly what I had in mind.