HEALTH INSURANCE CASUALTY OF THE DAY: Susan Christiansen - Altamonte Springs, FL - 09/10/08

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United Healthcare Denies Young Mother Choice for Labor and Delivery

"During my pregnancy, I had to endure a five-month-long battle with United Healthcare relating to maternity coverage. It was my desire to give birth either at home or at a birthing center. I didn't wish to give birth in a hospital setting unless there were complications. Unfortunately, my healthcare plan didn’t support my decision and denied two appeals to provide coverage for my choice, which by the way, is supported by Florida law,” writes Susan Christiansen of Altamonte Springs, Fla.

"There are countless studies proving that home/birth center births are safe (many times with more favorable outcomes than hospital births) and result in fewer complications, interventions, and, most importantly, C-sections. 



"When I found out that UHC would only pay for an in-network midwife and that none were anywhere close to where I lived, I applied for 'Network Gap Exception.' The 'exception' rule approves coverage for an out-of-network provider or facility if there isn't an in-network provider or facility within a radius of 30 miles. I could not find an in-network birthing center within my area, yet I was denied the exception based on the fact that there was one nurse midwife who delivers in a hospital setting within 30 miles. When I looked her up on the UHC website, she did not show up as an in-network provider, or at all, for that matter."

"Unfortunately, my healthcare plan didn't support my decision and denied two appeals to provide coverage for my choice. I ended up paying the $5,000 myself for the delivery at the birth center. I was lucky that there were no complications—my 11 week-old son is now in the 90 percentile for weight!  While I understand that all women do not feel as comfortable as I do giving birth outside of a hospital setting, it is just as important to honor every woman's choice as to what is best for her, her baby and her experience," said Christiansen.


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home/birth center birth

I agree that insurance companies should support alternative birthing options for women. As a labor and delivery nurse I have seen to many birth center situations gone bad to actually want that for myself but if that is what a woman chooses to do for her birth, more power to her. One example of this was a woman who was at a birth center trying to deliver. She was complete and pushing for 3 hours. The baby wasn't coming vaginally. So with no pain meds on board she hops into the nurse midwive's car and is driven one hour to our hospital, (screaming and crying in pain). We put her on the monitor, the fetal heart rate is down so of course she gets a crash c-section which means general anethesia. Baby was OK after a few weeks in the NICU.

One thing that I found sort of funny in the article is that it says that home/birth center births are safe and result in fewer c-sections. Well of course they do, there are no OR suites. Push that kid out vaginally or else have a situation like above.

reply to L $ D nurse

In reply to Danielle and for others information, homebirth statistics have, for at least the 30 years I've been following them, been incredibly safer in terms of mortality and morbidity than hospital birth. The fact that a woman is comfortable and secure in her own environment, supported by her trusted practitioner and loved ones and without medical intervention, allows for the course of labor to take place without the stresses that cause prolonged labor and fetal distress. This leads to a much lower C-section rate and healthier (higher Apgar scores) babies.

When you see the rare homebirth mother come to the hospital for medical intervention it is because the labor has taken a course that requires that intervention, based on the education and experience of her attendant. There is no pressure to "push that kid out vaginally or else". The "hospital, if necessary" has been discussed since the first prenatal care visit. No doubt, the case of 3 hours of pushing was extreme and included the 2 hours maximum usually allowed by most midwives and the one hour drive which many practitioners consider too far from the hospital, all unfortunate and, thank goodness for the positive outcome. What YOU don't see are the 98%+ of safe, carefully monitored, normal births that occur at home without medical intervention; the same interventions that contribute to the USA's ranking as one of the most dangerous countries in which to give birth.

The point this mother is contesting is that homebirth is a safe (safer!) alternative to a hospital birth and recognized by her state laws yet the insurance would not allow for reimbursement for her homebirth fees. I can assure you those fees are lower than hospital charges and include prenatal care, birth and postnatal visits including well-baby checks, breastfeeding support and the 6 week after-birth checkup and all allow for a healthier mother and baby. This is the travesty that we as nurses need to raise our voices against and demand the end of the insurances dictating our healthcare choices.

choice above cost!

I have been a nurse for 38 years and have spent much of that time in Maternal-child settings. I am not an L&D nurse, however, Janet above speaks the truth to statistics and to the safety of homebirth.

The story told by Danielle seems to be one where the birth was mismanaged. This is not the usual case in birthing centers and home birth situations. Usually the attendents are highly educated caring professionals who would never put saftey and health of mother or baby above any pressure "to push that kid out vaginally or else".

As nurses and as American women we need to put an end to for profit, greedy insurance companies controlling us to the point of even where and how we birth our children!

Home birth and birthing centers are far safer and women and babies have better outcomes than hospitals. Satistics show this but our greedy insurance compaines will not let them survive for fear they would lose a few bucks!
Charlene Anderson RN aka Hippynurse

home/birth center

I've been a nurse in antenatal, nursery, postpartum, and also attend deliveries to stabilize the baby for 20 years and believe me, I have seen my share of what have should have been "normal" deliveries turn into c-sections, forceps and vacuum assisted deliveries. I believe that MORE woman should deliver at home or in birth centers than do now. With the proper support and care of an experienced midwife most deliveries are normal.
Midwives are not going to take unnecessary risks with the lives of babies or mothers, or for that matter, their licenses just to have a vaginal delivery. No matter what hardened L&D or NICU nurses think. Yes problems happen, but many more happen in the hospital from fluid overload, immobility, pulling on umbilical cords, epidurals, induction, elective c-section, exposure to hospital germs, etc. Plus there is so much interference with recovery, sleep and breastfeeding.
Any family who makes the choice to deliver in an alternate setting should have the coverage for that to happen. They are also informed of the possibilty of transfer.