Unfortunately, Colorado medicaid will not pay a registered midwife and now CHP will not do so any longer. If you are medicaid qualified, still call and we might be able to work out acceptable payment arrangements. I want you to have the birth that you want so will try not to let money stand in the way of that.
I do have an insurance billing service who will find out for us what insurance might cover. I am always out of network and exceptions have been rare. You might be surprised at how little a home birth will be when compared to a hospital birth.
Most midwives expect to have their fee paid by the time of baby’s birth. Ask about flexibility if that is not possible. We will work out an acceptable arrangement at our first prenatal visit. Bartering may also be available if you have a skill or trade that is of interest to the midwife. All you have to do is ask!
Let’s talk about the other questions that you have. I would love to see you have the birth that you want and can be very flexible. That is what midwifery care is all about.