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Insurance Coverage

A deposit of $2000.00 is required by 36 weeks gestation if want us to bill your insurance company. This deposit may be paid out over time. Please feel free to discuss payment plans with us. $500 is due at the first visit. Please see our policy on deposits for more details.

Note: You will be refunded whatever you are owed after your insurance company pays. If your insurance does not cover 100%, you must pay any amount they do not cover. For example, if your insurance only pays 80%, you are responsible for the other 20%.

You are also required to pay any co-pay that your insurance company requires of you. $4500.00 is the amount of the global fee that is billed to insurance companies in most circumstances. In addition to the global fee some additional fees are itemized. (Early pay discounts do not apply because insurance companies do not pay prior to service. However, some clients qualify for a financial hardship discount which greatly reduces their out of pocket expense in the event their insurance policy does not cover their entire fee. See us for details if you think you might qualify.).

Self – Pay Plans

Please Note: Each of the following plans is discounted for early payment. Failure to pay by the date on your contract could result in loosing some (or all) of your discount.

Additional Discounts which may be applied to plans A or B:

- $150 may be deducted for prior labs if you are transferring care from another care provider.

- $400 may be deducted if you are a repeat client.

Plan A

$2800.00 – (see below) – This fee applies if you live within 50 miles of Corpus Christi.

$2800 is your global fee ($1700 less than the full global fee)–This fee must be paid by 36 weeks gestation.

The following is an example of a payment schedule for this plan. In this example, the payments are made every 4 weeks (monthly) with care beginning around 6 weeks gestation –

6 weeks gestation - $500.00 (deposit)

10 weeks gestation - $328.00

14 weeks gestation - $328.00

18 weeks gestation - $328.00

22 weeks gestation - $328.00

26 weeks gestation - $328.00

30 weeks gestation - $328.00

36 weeks gestation - $332.00

Also, please see our policy on deposits.

Plan B

$3000.00 – plus hotel expenses (see below) – This fee applies if you live more than 50 miles from Corpus Christi.

$3000 pays your global fee ($1500 less than the full global fee)–This fee must be paid by 36 weeks gestation.

Hotel Expenses For The Midwives – If you live more than 50 miles from our office, we require that you find a hotel near your home and set aside money for a room for our personal use. If the distance to your house hinders us from taking a break at home during a long early labor (as we would if you lived in town), or if we are too exhausted to safely travel on the road after a long birth, we will choose to stay in the hotel. If it turns out that we do not need the hotel room, the money of course is yours to keep. Please discuss specific arrangements with us prior to your birth if you live more than 50 miles away.

The following is an example of a payment schedule for this plan. In this example, the payments are made every 4 weeks (monthly) with care beginning around 6 weeks gestation –

6 weeks gestation - $500.00 (deposit)

10 weeks gestation - $350.00

14 weeks gestation - $350.00

18 weeks gestation - $350.00

22 weeks gestation - $350.00

26 weeks gestation - $350.00

30 weeks gestation - $350.00

36 weeks gestation - $400.00

Also, please see our policy on deposits.

Plan C (Choosing a Student Midwife as primary under the supervision of a licensed midwife. Please note that this offer is only available on your initial visit. You may not switch to this plan after your contract has been signed and care has begun.)

$2400.00 – (see below) – Clients may choose to use a student midwife as their primary midwife when a qualified student is available. They will be offered a discount  for using a student. Instead of the making the full deposit of $500 at the first visit, the client will only be required to pay $300 with the remaining paid out over time.

Please note: Our student midwives are always under the full supervision of a licensed midwife. However, when choosing a student, you will be expected to look to this student as your primary care provider and the student must also be allowed to catch your baby (with the midwife's supervision).

$2400 pays your global fee – This fee is still paid to the primary supervising midwife and must be paid by 36 weeks gestation.(Students are not allowed to receive financial compensation for midwifery services by state law and the supervising midwife is still responsible for your care.)

The following is an example of a payment schedule for this plan. In this example, the payments are made every 4 weeks (monthly) with care beginning around 6 weeks gestation –

6 weeks gestation - $300.00 (deposit)

10 weeks gestation - $300.00 ($200 of which is a part of your non-refundable deposit)

14 weeks gestation - $300.00

18 weeks gestation - $300.00

22 weeks gestation - $300.00

26 weeks gestation - $300.00

30 weeks gestation - $300.00

36 weeks gestation - $300.00

Also, please see our policy on deposits.

Deposit Policy

A deposit is required at your first visit ($500 of which is non-refundable). We limit the number of clients we care for in our practice. We also limit clients based on how far they live from one another if they are due near the same time. Therefore your deposit serves to reserve a place in our care. For this reason if you should transfer care (for any reason) prior to the birth of your baby, $500 will be considered non-refundable and will not apply towards any itemization of your care. However, should itemization be required for any reason after we deliver your baby, we will apply your entire deposit towards your itemized bill.

The total payment amount required at your first visit is determined by when your care begins. (See below.)

• In your 1st trimester (up to 12 weeks) $500 ($300 for financial hardship plan)
• In your 2nd trimester (up to 27 weeks) $700 ($450 for financial hardship plan)
• In your 3rd trimester (28 weeks or beyond) $850 ($650 for financial hardship plan)

Late Fees & Penalties