Finances

Paying for Your Care

Trillium Midwifery Services want to make services affordable for all families. We offer flexible payment schedules, and accept either cash pay, credit card payment, or insurance billing through a third-party insurance billing service. Health Savings Accounts often cover the cost of an out-of-hospital birth, as do ministry-based health plans. We will discuss all financial details of your care at our free consultation visit.

All fees and/or deposits must be paid in full by 36 weeks (one month before your due date), unless an alternative payment schedule has been arranged. This is due whether you are paying by private/cash pay or insurance pay.

Trillium Midwifery Services will be paid in full, even if the birth is missed due to events such as a fast birth or as a result of the birth team receiving delayed notification to come for the upcoming birth. No refund will be given in these cases.

Cash, check, or credit/debit cards are accepted. Processing fees are applied to all credit/debit card transactions.

Insurance

We work with a billing company that specializes in submitting insurance claims for reimbursement of midwifery and home birth services. All our services are generally out-of-network. If you choose to have us submit claims on your behalf, you are still required to pay a deposit amount by 36 weeks of pregnancy. All deposits will be refunded to the client minus any patient responsibility once all insurance claims are processed.

Billing with our billing company is optional and for your convenience. You can submit claims yourself if you are comfortable. If you file yourself, fees and/or deposits are due as outlined above. After the birth you will be provided a billing statement to turn in to your insurance company. You will receive payment directly from the company. If you choose to submit to insurance, please be aware that the amount submitted to insurance will reflect the cost of all services rendered, and may be more than your deposit amount.

Verification of Benefits

For families with private insurance only!

Completing a Verification of Benefits with our billing company will allow them to contact your insurance, verify your covered benefits as well as your deductibles and other accumulations, and request any prior authorizations that may be needed for your birth. They will also inquire about an "In Network Exception" which is where the insurance company agrees to process the claims using your in network benefits even if you are using an out-of-network provider if they do not have an in network home birth midwife in your area. There is a nominal fee for this service payable to the billing company. This fee does not apply to your global deposit amount. Please allow up to 14 business days for a response.

Wisconsin Medicaid / Badger Care

Wisconsin Certified Professional Midwives (CPMs) are able to bill Wisconsin Medicaid for out-of-hospital birth services. Medicaid covers the majority of the services provided by Trillium Midwifery Services but not all. There is an out-of-pocket fee for services that Medicaid does not cover. If you have Wisconsin Medicaid, please discuss billing with the midwives to determine your responsibility for payment.

Financing Options Available

For those that need other alternatives to assist them with paying for their care, we do offer financing options through a third party.

Transfer of Care

The package deposit will remain the same if Trillium Midwifery Services and/or client decides to transfer your care to a doctor/hospital at some point during labor or postpartum. If this occurs, one or both of the midwives will continue to offer support and remain with you, as permitted, in the hospital. Postpartum care may continue with us following our same schedule after your discharge. This support and advocacy at the hospital can be very valuable. Having an experienced midwife involved, with whom you have developed a prior relationship, may make the experience much more congenial.

If you are referred to another care provider or discontinue care at any time prior to 36 weeks, you will receive an itemized invoice of accrued expenses and any over-payment of services will be refunded.

Late to Care

We do not adjust or reduce our deposit amount based on gestational age at entrance into our care or amount of care received from another provider prior to the start of care with Trillium Midwifery Services.

Trillium Midwifery Services offers affordable and quality pregnancy care,
culminating in natural, peaceful births, and healthy moms and babies.
Contact us for a free consult visit.