Frequently Asked Questions
Where is your Office?
21 Middle Turnpike E, Manchester CT
Our office is located in the New York Life building next to Cumberland Farms, across from Walgreens. Come in the front door and walk down a few steps to find us.
Will my insurance plan pay for your services?
The short answer is, "It Depends".
The insurance industry centers the medical model of care and does not value the amount of time we spend with our clients, nor the focus on the prevention of problems. Additionally, Connecticut does not offer licensure for Certified Professional Midwives and this makes it impossible to become an "in-network" provider. However, if your plan has "out of network" benefits, you may be able to receive reimbursement after the birth for the payments you have made. Thus, our clients pay up front for our services and we help them submit for reimbursement after care is complete. Clients and potential clients who would like to submit for reimbursement are required to have our Biller perform a Verification of benefits first to assess the plan. Please click HERE to have this done and learn what your policy will cover.
How are your services paid for?
We charge an all inclusive flat fee for services and ask to be paid by 36 weeks. Payment can be made with cash, check, HSA or FSA funds. This covers all of your prenatal care, the birth, postpartum care for both you and baby, and a birth tub rental. We do not charge extra for complications handled or equipment used, neither do we reimburse for births that occur in the hospital.
What if I transfer to the Hospital, do you stop seeing me and reimburse me?
We continue to care for you even in the event that a transfer becomes necessary. If hospital policy allows, at least one Midwife will accompany you to the hospital to support and advocate for you. Continuity of care is priceless. We also continue postpartum care as usual. No refunds are issued regardless of where the birth occurs. Our flat fee covers what we are available for, not what we actually do. Some of our clients begin care at 8 weeks, some at 32. Some clients have short labors, some long. Some clients have uneventful "easy" births, some experience complications that are handled professionally at home. Some clients transfer care to a hospital during their labor. Sometimes we use very little of our equipment, sometimes we use all of it. Some clients need extra postpartum care, some do not.
We do not charge extra nor do we refund based on individual circumstances.
Does HUSKY cover your services?
Unfortunately HUSKY only covers in-network providers and they will not allow us in their network. We encourage folks with HUSKY to apply for financing through United Medical Credit. Although we want to help everyone access Midwifery care, and do offer discounted fees and payment plans, we are not a lender. Clients who are not eligible for financing through UMC have had success fundraising on GoFundMe in the past.
Do you offer Home Visits?
All of our clients are booked for at least one prenatal home visit, typically at 36 weeks. All visits in the first week after birth are also done in your home. Clients who live close to our homes are often offered more home visits. We understand that some clients have circumstances that would benefit from exclusive in-home care. Please inquire about exclusive in home care for your unique situation.
Do you do ultrasounds or order labs?
We collaborate with a wonderful independent radiology practice for ultrasounds. They are in-network with all of the major insurance companies and your plan will be billed as such.
Primal Roots uses LabCorp for routine labs; they too, are in-network with all of the major insurance providers.
How many Midwives will attend my birth, and how will I get to know them?
The average client has 12 prenatal visits divided among 3 Midwives. Our prenatal visits are around 45 minutes long, and we prioritize creating a warm trusting relationship. At least 2 Midwives will attend your birth. If a Student is involved in your care, they attend visits and births with Sera, in addition to the second Midwife.