I know that all the people I am dealing with are talking to each other. The agency is talking to the insurance people. The lawyers are talking to the agency. The agency is talking to their Executive group. The insurance is talking to their CEO. The agency is talking to me. The insurance is talking to me. The lawyer is talking to me. BUT, I get word from one giving me an answer. Then the next day I get an answer from someone different saying we are still working on it. Seriously people!!!!!!!!!!! AUGH!!!!!!!
So right now as it stands:
Insurance said: As of now the home delivery and the mid-wife would not be covered under the policy.
So who is really making the choices? My thoughts are: The agency has 'rules' in place because that is how most clients want to deliver (in a hospital), but S&P would like to approach the birth with a little calmer transition and do a homebirth. They actually found a surrogate that is in total agreement and would *love* to do that for them. Since it isn't the 'normal' thing for the agency they are freaking out. I just don't get how it is THEIR concern if the surro and the parents are in agreement. The insurance was fine with covering a CNM but now they know that one could possibly attend a homebirth they are scrambling. Insurance was always told it was the agency that would allow it. The agency said it was a rule because the insurance won't allow it. ...and somehow the lawyer is involved and 'asking permission' to add things to our contract that WE have agreed upon!!! AUGH! *deep breathing* *deep breathing*
I know since I have been around long enough that the agency owners also have ownership in the lawyers we are using and also with the insurance that we are using. I guess that is a complication you run into when you put all your eggs in one basket. Instead of all acting on their own they all go running back 'mommy & daddy' for help and guidance so they don't get in trouble.
Sorry I am venting, but I need to.
The midwife that we can have insurance coverage for has agreed to see me for all prenatal appointments but they don't feel comfortable coming so far for the birth. GREAT! My local midwife has said that she will work out an agreement with ME without involving insurance. We would still use the insurance for everything *but* the actual birth. I was told by my agency in the beginning that if I chose a midwife I would have to pay out of pocket. Okay, I am okay with that. It is worth it to me. Then last week I was told by my insurance that 'plenty of other clients' just pay for the midwife out of pocket and everyone is happy. Great! That will totally work for me. We would still be utilizing the insurance that we need and would have 'just in case' and I could still utilize a midwife to catch the baby.
I know that I am being stubborn and still fighting it, but I am just not the type of girl to just lay down and surrender. Maybe one of these days I will post the letter I wrote to MY insurance company after they denied my homebirth/midwife..... let's just say - I got a letter and a check shortly there after to help pay for it. :o) I am stubborn!
This is the summary on my thoughts:
~ S&P would like to use a midwife and are totally comfortable with a homebirth
~ I would love to give birth in the comfort of my own home
~ Insurance will cover a midwife
~ I have an insurance covered midwife that has agreed to see me for all my prenatal appointments
~ I have a midwife that has agreed to come catch S&P's baby in my home that *I* am okay with paying out of pocket for because it is that important to me.
Ok, back to the finger pointing.