Getting to know your benefits
Start With Your Insurance Benefits
Before deciding whether to use insurance for your midwifery care, it helps to understand what your specific insurance plan may cover.
You have two options:
Have us verify your benefits — $35
Billing for Littles will contact your insurance company directly and speak with a representative about your coverage for midwifery care and your planned birth. We’ll gather information about your benefits and send you the results so you can better understand how your insurance may apply.
Verify your benefits yourself — Free
Prefer to contact your insurance company yourself? Our free Verification of Benefits guide walks you through the questions to ask so you can gather the same type of information on your own.
Once you know your benefits
After you understand how your insurance may apply to your care, you can decide whether you want to use those benefits.
Billing for Littles offers two ways to help:
Insurance Billing & Claim Submission — $165
We work with your midwife to prepare and submit claims to your insurance company throughout your care. We also monitor submitted claims and assist with routine claim-processing issues.
Superbill — $105
If you prefer to handle insurance yourself, we can prepare a superbill using information from your medical records. You can then submit it to your insurance company for possible reimbursement.
important things to know about using insurance
Insurance can be confusing, especially when your midwife is an out-of-network provider. Here are a few important things to understand before using your insurance for midwifery care.
Your Midwife's Financial Agreement Still Applies
Using insurance does not replace or change the financial agreement you have with your midwife. Your midwife sets their own fees, payment schedule, and financial policies.
Continue making payments to your midwife according to your agreement while insurance claims are being processed.
What if my Midwife is Out-Of-Network?
Many of the midwives we work with are out-of-network providers. Being out-of-network does not necessarily mean that your insurance will not provide any coverage.
Some insurance plans include out-of-network benefits that may help reimburse the cost of your care. Your deductible, coinsurance, and other plan requirements may affect how much your insurance ultimately pays.
What is a gap or Network Exception?
If your insurance network does not include an appropriate in-network provider for the care you need, your plan may allow you to request a gap or network exception.
If approved, the exception may allow eligible services from your midwife to be processed differently—sometimes using in-network benefit levels.
A gap or network exception does not make your midwife an in-network or contracted provider. It only affects how eligible claims are processed by your insurance plan.
Where does the Insurance Payment go?
Depending on your insurance plan and how the claim is processed, insurance may send payment to your midwife or directly to you.
If you receive an insurance payment related to your midwifery care, let your midwife know. Your midwife will determine how the payment is applied according to your financial agreement and any applicable insurance requirements.
A Verification of Benefits is Not a Guarantee of Payment
A VOB gives you information about your insurance benefits based on what your insurance company tells us—or tells you—at the time of verification.
It cannot guarantee that a claim will be covered or how much insurance will ultimately pay. Final coverage and payment decisions are made by your insurance company after claims are submitted and processed.
Keep any Eye on Your Insurance Account
Your insurance company may send Explanation of Benefits (EOBs), requests for information, claim updates, or even payments directly to you.
If you're using our billing service, keep an eye on your insurance portal and correspondence. If you receive a denial, request for information, payment, or something you don't understand, contact us so we can help determine what needs to happen next.