Fees & Insurance

We are used to saving and paying for lots of things that are important to us.

Engagement rings and weddings. Cars and down payments on houses. Vacations. That dog you’ve been dreaming of. New furniture. We spend our money on things that are important to us, things that enrich our lives, things that are once in a lifetime, things that create beautiful memories. You will only birth the baby you are carrying once. Ask any woman, even one 80 years old, what her birth was like and she will tell you her story. She will tell you the details, and tell you the victory, and yes, tell you the troubles. Your baby being born gently, safely and with love is priceless.

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 year end, and will you need to pay an additional deductible?

The average cost of a vaginal birth in Virginia is close to $14,000! That doesn’t include prenatal care, postpartum care, newborn care, or the additional costs of a cesarean birth, which is currently a 34% chance in RVA. These are just a few of the 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. So at Embrace, we offer payment plans until you are 36 weeks. After you pay your deposit for care, we can split your balance into equal monthly payments. We also partner with Medloan and Care Credit, if you need more time. For people with very high deductibles, sometimes they decide to not use their insurance and instead pay with their FSA card.

If you’d like to see how your insurance company would handle care at Embrace, we highly recommend you reach out to URBiller@gmail.com.  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!

Tri-Care — Thank you for your family’s service! Our founding midwife, Corina, is a Vet too! She’s passionate about military families having access to birth center care, so we are a Tricare Provider and all our professional fees are covered at 100%. Due to the lack of licensing in Virginia, our facility fees are not covered. We offer a steep military discount, but you must get your Verification of Benefits from URBiller@gmail.com for $25. We are happy to discuss with you how that looks for our military families!

Medicaid — Sigh. Medicaid is tough. Although we are licensed Medicaid providers, the powers and politics have created a pay system that is not feasible for small businesses. It is a struggle for us to be able to be reimbursed a minimal amount for our professional fees. Call your representatives and holler. Many people are working at a legislative level to get it fixed! Every family deserves a midwife!
Unfortunately, Medicaid does not cover our facility fees. We offer sliding scale and payment plans to help!

FHA/FSA — You are welcome to use your benefits to pay for your care with us.

MediLoan and Credit Cards — We are happy to say we have a loan company that finances our care. If your credit is good, up to 18 months is interest free! If your credit is…well…troubled, they have other options that have reasonable interest rates. Some of our clients use their credit cards to finance care.

Creative Solutions — Having your baby somewhere you love is important! Some people have crowd-funded. Some have asked for donations at their baby shower. Some have doubled down on their budget and cut out all extras to make it happen. Some have sold second cars or gotten second jobs.

We Finance, Too! — And finally, remember we take payments! A deposit for care at your Orientation visit, then we will divide your balance up over the remainder of your pregnancy. Unfortunately, we cannot carry your balance after that. Call us! We are happy to explore any and all of these choices.

What kind of birth do you want ?

We can help make your birth dreams come true!