- Deductibles usually start over at the first of the calendar year. If your baby is born at the first of the year, your entire deductible will be subtracted from your claim. Parents that have delivered babies with midwives over several years might wonder why the insurance paid more on one birth than another. If you had a baby in December, your deductible might have already been satisfied with other claims. If you had a baby in January, your deductible could be starting over. Sometimes a lower payment is due to the amount of the deductible that is subtracted from the claim, while, other times, the insurance may have made an error in calculating the correct payout.
- Some insurance companies describe childbirth as surgery and a birth center or home as an operating room. We submit claims for normal births, but we don't determine how the insurance company describes birth.
- Patients usually have an online portal to verify the status of claims. If you don't see the claims we filed, contact your midwife, and we can provide her with electronic proof of submission.
- Respond promptly to any requests for additional information from your insurance company. Coordination of Benefits is most common in the first quarter of a new year but can be required at any time of the year.
- Confirm that your mailing address is up-to-date with your insurance. Don't let a check from your insurance go to an old address.
- Communication is vital in order for claims to process quickly.
