Investment & Insurance

If you have traditional insurance, it can be confusing…

Deductibles, co-pays, in-network, out-of-network.. and did you know that even if you go to an in-network hospital, you might receive care from an out-of-network doctor or anesthesiologist, and have to pay BOTH in-network and out-of-network deductibles?

What about items that aren’t covered under your policy?

Does your baby have a deductible, too?

Will your pregnancy cross over your policy’s calendar year, making another deductible apply to your care?

The average cost of maternity care and a vaginal birth in Virginia is somewhere between $15,000 and $18,000! That doesn’t include the additional costs of a cesarean birth, which is currently a 34% chance in RVA and typically costs between $23,000 and $37,500.

Maternity care in America costs more than any other country, and we have some of the worst maternal and neonatal outcomes in the world. These are problems and issues that mainstream medicine and health insurance has left us with, and here at Embrace, we can’t fix it. We totally wish we could!

There are endless insurance companies and policies, and as a small business, we cannot handle the huge undertaking that billing insurance entails. It’s important to note that we are NOT in-network with any insurance company. Our contract is with you, and your contract is with your insurance company.

Would you like to see how your insurance company would handle care at Embrace?

We are happy to recommend a wonderful insurance billing company. Reaching out to them for a Verification of Benefits is a great place to start! Ask about it on your tour!

They can do all the dirty work for just $25 and get you a full breakdown of what your insurance will cover — including in-network, out-of-network, deductibles, copays, GAP exceptions, pre-authorizations and anything else they can find to help! After your baby, you can also hire them to process your insurance claim. They are PROs over there!