Midwife and Birthing Center Insurance Coverage

Service Fees & Verification of Benefits for Midwifery Care

We want to make accessing care as smooth as possible. Here are all the details on the insurance plans accepted for our midwifery and gynecological care, verification of insurance benefits, out-of-network options, self-pay rates, and optional additional services. Now... let's talk details!

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Insurance Plan Coverage for Maternity Care

Here are the insurance plans we currently accept for maternity services:

Out-of-Network Options: If we don’t accept your insurance plan, we offer a discount on our self-pay rate if you choose to bill your labs and ultrasounds through your insurance. Please speak with our staff for specific details and pricing.

Private Commercial Plans

Aetna
Advent Health
First Health Plan
United Health Care
Cigna

Please Note: We are currently out of network with all Florida Blue and Blue Cross Blue Shield plans.

Marketplace Insurance

Ambetter
Oscar

Medicaid Plans

Preferred Provider for Sunshine
Medicaid Aetna

Out-of-Network Payment Options

If we don’t accept your insurance plan, we offer a discount on our self-pay rate if you choose to bill your labs and ultrasounds through your insurance. Please speak with our staff for specific details and pricing.

Maternity Services: Self-Pay Options

We provide inclusive self-pay options to ensure everyone has access to our exceptional care.

Registration Fee: $850.00 (Non-Refundable)
Total for birth, delivery, and three postpartum visits: $8,000 (Registration & On-Call Fee Included)

Please be aware that additional labs (e.g., genetic testing) or ultrasound fees (e.g., first-trimester or follow-up ultrasounds) are separate.

Non-Stress Tests: $150.00

Labor checks after hours: Subject to a $200.00 Fee if not admitted.

Additional prenatal visits beyond the initial 12: $150.00 per visit.

INCLUDES:

12 Prenatal Visits
Standard of Care Labs (Including Initial, 28-week, 36-week, 6-week postpartum, and newborn labs)
Complete Obstetric Ultrasound (18-21 weeks)
Hypnobirthing Class (5-week series)

Insurance Plan Coverage for Gynecological Care

Here are the insurance plans we currently accept for gynecological services:

Private Commercial Plans

Cigna Advent Health Plans: Health First and Aetna
Some other Commercial Aetna plans (Please check with our Billing team for verification)

Marketplace Insurance

Ambetter

Medicaid Plans

Sunshine
Aetna Better Health

We're Here to Help!

If you have any questions about insurance, payment options, or our approach to care, please don't hesitate to reach out. We're excited to support you on your journey to vibrant health!

Verification of Benefits

After we receive your registration you will receive a confirmation email and a member of our staff will contact your insurance carrier. We will provide you with a detailed explanation of your benefits and prepare your payment agreement at that time. The agreement will be presented to you at your next appointment.

*Disclosure*

Verification of Benefits (VOB) for your current insurance coverage plan & the completed Payment Agreement (PA) will be done within 2 weeks of signing up with Tree of Life.

The information obtained on the VOB is not a guarantee of coverage. TOL is not responsible for deviations from the insurance coverage described within the VOB form. You may consult your plan details provided by your insurance company for further clarification on plan limitations.

TOL will obtain insurance benefit information once per Patient Registration Form submitted. If your policy changes for any reason, including renewal periods, and you would like to receive an update on coverage, a second Patient Registration Form will need to be submitted to TOL via the website link. If you would like a quote of benefits for any secondary insurance not noted on the original Patient Registration Form, you will need to submit that separately on our website.

Please keep in mind that the payment agreement was completed based on your desired place of delivery; should this change an updated payment agreement will need to be made at that time. Also, remember that your deductible(s) (both in and out of network) will need to be satisfied each plan coverage year regardless of the provider you choose and the place you plan to deliver. Your deductible(s) will be checked in your third trimester and your payments will be adjust based on what is satisfied at that time.