The Business Side

Because money is important to everyone and we believe in being transparent and upfront, here's how it works...

  • The total fee includes complete prenatal, birth and postpartum care, newborn care at birth and all newborn screening tests, birth supplies, deluxe birth pool, routine medications for mom and baby at birth, birth assistant and a travel fee that allows your midwife to provide home visits for prenatal and postpartum care.

  • Have insurance? Our biller will work with you and your insurance company to get the best coverage possible but Karen does not contract with and is not in-network with any private insurance company. All fees are ultimately the responsibility of the patient. Keep in mind that Florida law requires most insurers to cover midwifery services and home birth.

  • No insurance? Does your insurance plan have a high deductible? Don’t qualify for Medicaid? Cash discounts and payment plans are available. Karen also accepts most major credit cards.

  • Lab work, ultrasound and physician consultations are not included in Karen’s fee. Lab work discounts are available for those without insurance.

  • There are some out-of-pocket costs to you for services not covered insurance, including the travel and birth assistant fees.

  • More insurance questions? Please contact us! Every plan is different, even within the same insurance company or with the same employer Let us help you find out what’s covered and how to maximize your benefits.