Frequently Asked Questions

Yes, of course. If you are planning to use your health insurance to pay for midwifery care, we offer payment plans for the on-call and available fee as well as for services not covered by your insurance such as labor & delivery fees for VBAC, breech, or twins. For people who choose to pay completely out-of-pocket for their midwifery care, we offer payment plans as well. All payment plans must be completed by 36 weeks of pregnancy.

Absolutely. Our services are eligible expenses for Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). Many families use these accounts to cover part or all of their care.

We highly recommend you call your insurance representative to ensure that “out of hospital maternity care and home birth attended by a licensed midwife” is covered by your plan. Occasionally a plan will deny coverage for an aspect of out-of-hospital midwifery care. Health insurance does NOT currently cover labor & delivery fees for VBAC, breech or twins attended by an in-network provider. For VBAC, breech, and twins clients all prenatal, postpartum and newborn care can be billed to your health insurance, but the labor & delivery portion must be paid for out of pocket. To clarify what is covered by your plan, our billing team will run an estimation of benefits after your initial visit. If you need more support, Ingrid at Island Billing is available to help you understand your plan and offer guidance.

Yes. Licensed midwifery care, including homebirth, is covered by Apple Health in Washington. We are in-network with several Apple Health managed care plans as well as HCA patients not on managed care.

We aim to be in-network with every insurance plan our clients might have. However, if we are not in-network with your plan, we will apply to become in-network as soon as possible once you initiate care with us; this process often takes 3-6months to complete. Midwifery care that occurs while out-of-network must be paid for out of pocket. Payment plans are available and must be completed by 36 weeks of pregnancy. We are happy to create a superbill for you to submit on your own. We recommend hiring our billing team to help you get the maximum out-of-network reimbursement possible for services that occurred out-of-network. If you happen to be planning a VBAC, breech, or twin birth, please note that out-of-network reimbursement actually is better than in-network coverage specifically for the labor & delivery portion of care since insurance companies will not cover labor & delivery care by an in-network provider. Strange, but true!

We take these insurance plans:Washington Medicaid / Apple Health (including HCA patients not on managed care)Coordinated Care – Apple HealthMolina – Apple HealthAmbetter – Washington Exchange PlanMolina Marketplace – Washington Exchange PlanPremera Blue Cross Blue ShieldRegence Blue Cross Blue ShieldBlue Cross Blue Shield out-of-state plansLifeWiseHeritageGlobalHCA GlacierIndividual SignatureUnited Health Plan

Other fees includeHealing foods, herbs, and/or supplements you choose to add to your prenatal wellness routine based on what we discover from your initial labs and nutrition counseling. Cost varies according to your preferences.Birth Kit. Roughly $100-$150 depending on what options you decide on. For clients experiencing financial hardship, there are often birth kits we have in-office. Please inquire at one of your appointments.Other supplies for birth, postpartum, and newborn care (there is a handout in your documents section so you know what you truly need). Cost up to you.Birth assistant fee. Wild Moon coordinates an on-call birth team for your birth so that there is at least one trained birth assistant in addition to your midwife. You may request additional assistants. $500, directly to each birth assistant. Birth Tub rental. We deliver it in pregnancy and show you how to set it up. Once baby arrives we clean the tub, pack it up, and take it with us. $200Personal responsibility and/or copays determined by your insurance plan. Insurance billing takes a few months to process, so you can expect several separate bills to come in throughout your care and during the months following. Cost varies widely. It is $0 for clients with Molina and is generally $1000- $2500+/- for clients with private insurance. If you prefer to pay in advance for this so you can budget for it, please discuss this option with us.On-call and available fee. At Wild Moon, we offer concierge style care that is individualized and holistic, meaning you have direct access to your provider from the moment you initiate care until 8 weeks postpartum and up to one year if a need arises. No worrying for hours, days, or weeks until you can get an appointment. No going to urgent care in the middle of the night because there is no one to talk to. Wild Moon clients always have access to a midwife for urgent and non-urgent concerns. This out-of-pocket fee goes directly to Wild Moon to compensate our midwives for being on-call and available as well as for coordinating your on-call birth team. If you are wondering why your insurance doesn’t cover these services, you may be surprised to learn that insurance does not recognize coordinating our teams or being on-call and available 24/7/365 as billable services. If you are in a place of hardship, please ask about receiving a discount. $2500.VBAC, Breech, or Twins Labor & Delivery Fee. Health insurance does not cover labor & delivery for VBAC, Breech, or Twins. Labor & delivery fees for these variations must be paid out of pocket. Wild Moon can bill insurance for all care that occurs before labor and after delivery for both mom and baby. Cost depends on your situation.

Yes, of course. Some people choose to pay cash because it just feels more straight forward for them, they want to avoid insurance co-pay and patient responsibility bills coming for several months after baby is born, their insurance does not cover labor & delivery for VBAC, twins, or breech at home, or because they do not have health insurance. If you choose to pay out of pocket for all or part of your midwifery care, we create a payment plan together that is completed by 36 weeks of pregnancy.

The answer is a little complicated. Generally, private and state health insurances will cover all prenatal, postpartum, and newborn care. However, insurance will NOT cover labor & delivery fees, so these must be paid out of pocket. Payment plans are available to cover this portion of care.

Yes. We believe in transparency in billing. We also believe that midwifery is a valuable service and midwives deserve to be paid fairly for caring for families during one of the most important, sacred, and complex events of a lifetime. Please understand that our complete fee schedule is designed with the complexities of dealing with insurance companies in mind. There are cash pay discounts. There are also financial hardship discounts available to help you with your co-pays and patient responsibility if truly needed.

For questions regarding insurance billing, co-pays, and patient responsbility, please get in touch with Ingrid at Island Billing at (360) 632-4435 or ingrid@islandbillingservices.comTo learn more about payment plans for the on-call and available fee or other out of pocket expenses, please schedule an initial consultation, give Christina a call (206) 660-6459 or email her at Christina@wildmoonmidwifery.com, or bring your questions to your upcoming visit.