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PAYING FOR YOUR CARE/SERVICES

FINANCIAL CONSIDERATIONS

We are always willing to work with a client’s particular financial situation. We understand that the ability to pay out of pocket for healthcare is easy for some clients & families, but not the case for many, and often times very difficult for those who need the option of affordable care the most. Our fees are set to allow for flexible payments — in hopes that we can serve as many clients & families as possible, not just those with financial security.

All of our services are offered on a pay-what-you-can sliding fee scale listed on each service page. Some folks can afford to pay our full price, and some folks will pay what they can using our sliding fee scale options. Those who can pay more help subsidise the care of those who can not. This fee scale is offered to increase accessibility and there is no required documentation to prove financial need — we do not require that you perform your poverty for us! We trust you.

We EXPECT that clients who CAN pay our full fee (or close to it) for services do so because this helps subsidise the care for those clients who are not able to pay the full fee, which allows us the ability to continue to offer & provide affordable options for personalised care sustainably.

FORMS OF PAYMENT

Unless otherwise stated on a service page, we accept the following payments:

  • Cash App

  • Venmo

  • Cash

  • Numbered Checks

  • Credit Cards (through PayPal or Square)

  • PayPal

  • Square Invoice (including Afterpay)

  • Zelle

  • Google Pay

  • Gift Cards from Amazon.com and Target (inquire about others)

  • If you prefer another method that is not listed, please let us know.

 

If you or your spouse/partner have an FSA, HSA, HRA, or MSA, you can use the debit/credit card for your account to pay for our services. According to the list of qualifying services provided by the IRS, the following services are covered:

  • Laboratory Fees

  • Birth Control (pills, condoms, etc.)

  • Diagnostic Equipment & Tests (ex: blood glucose monitor & supplies)

  • Physical Examination (“annual exam”)

  • Screening Tests (ex: pap exam)

  • Breast Pumps and Supplies

  • Pregnancy Tests

  • Obstetrical Expenses

  • Childbirth Expenses (physician, midwife)

  • Childbirth Preparation Classes (excluding Newborn Care & Feeding)

  • Routine Prenatal and Well-Child Care

  • Menstrual Care Products

 

INSURANCE BILLING/REIMBURSEMENT

Currently, in the state of Pennsylvania, non-nurse midwives can not accept or file claims for insurance coverage for their clients. State Medicaid does not pay for non-nurse midwife services, either. While we are NOT able to bill Medicaid or private insurance for our services, many of our fees are much lower than most insurance deductibles.

We CAN provide you with a detailed receipt for reimbursement purposes if you belong to a cost-sharing organisation/community, or you intend to attempt to seek reimbursement from your private insurance carrier on your own.

REFUNDS

We do NOT offer refunds of any kind at this time for any of our care or services, for any reason.

“Class and economic justice are topics that lots of folks struggle to talk about in the United States because most of us aren’t educated in schools and the culture at large to talk about money, access to resources, and what class actually is. Class, of course, cannot be understood as an isolated experience, but is part of the complex interactions of race, gender, ability, privilege, sexuality, and the myriad of identities we all hold. I think the sliding scale is a great way to begin a conversation about class because it frames the discussion from the standpoint of access.

 

“Someone shared with me the idea of sacrifice versus hardship when examining access. If paying for a class, product, or service would be difficult, but not detrimental, it qualifies as a sacrifice. You might have to cut back on other spending in your life (such as going out to dinner, buying coffee, or a new outfit), but this will not have a long term harmful impact on your life. It is a sacred sacrifice in order to pursue something you are called to do. If, however, paying for a class, product, or service would lead to a harmful impact on your life, such as not being able to put food on the table, pay rent, or pay for your transportation to get to work, then you are dealing with hardship. Folks coming from a space of hardship typically qualify for the lower end of the sliding scale.“

 

Financial Bottles image and quote from Alexis J. Cunningfolk http://www.wortsandcunning.com/blog/sliding-scale

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