Alisha Patrick, Finance Director
“The last thing you should have to worry about when having a baby is how you are going to pay for this. We are here to make this part as easy as possible.”
Fees, Insurance and Medicaid Plans
Figuring out how much the fees are going to cost can be stressful. We are here to make this easier.
We will set up any balance on a payment plan if you need to, and we provide you with a payment portal through Collaborate MD billing system so you can not only pay online, but you can see each claim as it is entered and processed, providing you with complete transparency of your medical billing account.
Congratulations on your upcoming birth! Now that you are expecting, it is my job to help you negotiate your way through the expenses of having a baby. There are typically three payment options: Self-pay plans, premium or commercial insurance, or Florida Medicaid enrollment. Let’s take a look at each.
Self pay plans: Our self pay plan is an all-inclusive plan, including all routine appointments, limited in office sonograms, basic childbirth class, labor in our luxury birth rooms, immediate care for mom and newborn, all administrative fees (birth certificate filing, FMLA, etc) Newborn screening PKU, hearing screen exam in-office, 2 routine postpartum visits and 1 well woman exam. If the full fee is paid in advance, we offer a substantial discount. Otherwise, we will set up a payment plan that works with your budget. Payments must be completed by 36 weeks, but if you need an extended plan, we can discuss this at your visit.
Commercial Insurance: This is insurance that you have purchased or that you are enrolled in through your employer. Once we determine your deductible and coinsurance/copay limits, we can calculate your out-of-pocket estimate, and you can either pay the total in advance or we can set up a payment plan that works within your budget. Our services are entered as claims to your insurance company (same as going to a doctor) and paid at the percentage determined by your own insurance plan limits, as well as our contracted amounts defined by your insurance company. Any remaining amounts after claims are paid by the insurance company are the patient’s responsibility. All billing is handled in-house and through a system that you actually have access to, which provides you with complete transparency about your account and all claims being submitted on your behalf.
Medicaid: Florida Medicaid is not commercial insurance. Medicaid provides medical coverage to low-income individuals and families. The state and the federal government currently share the cost of the Medicaid program. Medicaid eligibility in Florida is determined on your financial status. A pregnant woman may qualify for Medicaid if her families countable income does not exceed income limits. Once eligibility has been determined, she is assigned a carrier plan (such as Sunshine State, Prestige, Molina or United Healthcare Community Plan). Our Medicaid patients are responsible for a non-refundable registration fee, which can be set up on a payment plan if need be. Please be aware that Florida Medicaid only reimburses Birth Centers and Midwives a fraction of our standard fee.