Billing & Insurance

Many people want to understand how billing is going to work, and exactly how much it will cost for them to have care with us. Here is some information about payment and insurance billing that may be helpful:

For All Clients

The total amount for the home birth package is due in full by your 37 week visit. A $500 (nonrefundable) deposit is required at your initial prenatal visit. You can make monthly payments based on when you begin care. You can pay in full at any time.

For Clients/Potential Clients Billing Insurance

The first step for getting a grasp of how much a home birth will cost is to get a Verification of Benefits (VOB). A VOB will be helpful for you regardless of where or with whom you choose to birth. We work with an excellent biller who works hard to get the best reimbursement possible for insurance clients. A Verification of Benefits costs $25 and will provide us with a lot of information about how your insurance is most likely to pay. To get a Verification of Benefits:

  1. Go to
  2. Click on Verification of Benefits
  3. Submit information on the form

There is a section asking for your midwife’s information:

Firen Jones/Nightingale Natural Birth
1960 15th Street
San Francisco, CA 94114

  1. Fax or email a copy of the front and back of your insurance card to her fax number listed on the page
  2. Click on the Payment tab
  3. Submit $25 

If you click the box for her to send the information to your midwife, I will receive it automatically. If not, you will need to send me your verification information.

Once you have a Verification of Benefits, we will talk in more detail about how much your insurance is likely to pay. You are responsible for paying the total amount for the home birth package by 37 weeks, just like clients that are not billing insurance. After the birth, we will submit a claim to your insurance and you will be reimbursed the difference minus the biller’s fees of 9.5%. This process usually takes between 3 to 6 months.