Investment

We believe that families deserve transparent information about the cost of care. Choosing a midwife is both a financial and personal decision, and we want you to have a clear understanding of our fees before scheduling a consultation.

We also recognize that cost can be one of the greatest barriers to accessing midwifery care. While insurance often covers a large portion of hospital-based maternity services, home birth families are frequently asked to navigate a different reimbursement process. We are committed to helping you understand your options and make an informed decision about whether our care is the right fit for your family.

Our global fee for home birth care is $6,500.

This fee covers over ten months of personalized care, including pregnancy, birth, newborn care, and postpartum support. Unlike many conventional maternity care settings, your visits are never rushed. We take the time to build relationships, answer questions, provide education, and support your family's individual goals throughout the childbearing year.
 

What's Included

Your investment includes:

• One-hour prenatal visits in your home or our home office

• Personalized, holistic midwifery care throughout pregnancy

• On-call availability beginning at 37 weeks of pregnancy

• Labor and birth support in the comfort of your own home

• Use of a birth tub, if desired

• Immediate newborn assessment and care

• Comprehensive postpartum care for both parent and baby through six weeks postpartum

• Care provided by TWO Certified Professional Midwives
   

Not Included

The following expenses are billed separately:

• Laboratory testing

• Ultrasounds/sonograms

• Home birth supplies (typically approximately $60, depending on what is already available in your home)

Many insurance plans cover laboratory testing and ultrasounds directly.

Your investment in comprehensive home birth midwifery care is a flat fee of $6,500.
 

Insurance

Aglow Midwifery does not bill insurance directly and is considered an out-of-network provider with all insurance companies. Clients are responsible for payment of their care according to our payment schedule. We provide a superbill to support clients who wish to seek reimbursement from their insurance company. Many of our families receive reimbursement from their insurance company if they have out-of-network benefits, though coverage varies significantly by plan. Our services are also generally eligible for FSA and HSA reimbursement.
 

Payment Timeline

A $500 deposit is required at the start of care. The remaining balance must be paid in full by 36 weeks of pregnancy.

If finances are a concern, please contact us to discuss available payment options. We believe every family deserves access to informed, compassionate maternity care and are happy to discuss arrangements when possible.
 

Verification of Benefits (VOB) – $35

If you would like assistance understanding your insurance benefits before beginning care, our administrative team can perform a Verification of Benefits (VOB) for a fee of $35.

A Verification of Benefits may provide information regarding:

• Out-of-network maternity benefits

• Deductible and out-of-pocket amounts

• Coinsurance and reimbursement percentages

• Coverage limitations or exclusions related to home birth and midwifery care

Please note that a Verification of Benefits is not a guarantee of coverage or reimbursement. Insurance representatives may provide inaccurate or incomplete information, and the final determination of benefits is made by your insurance company when a claim is processed.

To request a Verification of Benefits, please email support@aglowmidwifery.com.
 

Superbills

A detailed superbill is included with your care at no additional charge. A superbill is an itemized receipt containing the information most insurance companies require when clients submit claims for out-of-network reimbursement.

Clients are responsible for submitting their own superbills to their insurance company and for any follow-up communication, appeals, or reimbursement requests.
 

Reimbursement

Any reimbursement approved by your insurance company will be paid directly to you, not to Aglow Midwifery.

Because insurance plans vary significantly, we cannot estimate or guarantee the amount you may receive. We encourage all families to contact their insurance company directly if they have questions regarding coverage, reimbursement, or claim requirements.