ImageÂ byÂ kizzzbeth
Today’s Daily Tip:Â Never give up, no matter what!Â Life will change, you will have bad days, and you will have to constantly adjust.Â That will never stop.Â Keep going for your goals as long as they make sense!
A frustrating truth in America is that many insurance companies will not cover the cost of a doula or midwife. While some have to fight tooth and nail for a company to pay for a safe, normal birth at home with a good midwife, that same company wonâ€™t bat an eye at a bill for any c-section (necessary or otherwise) and the consequent three-day hospital stay.
Fortunately, there are other ways to pay for your midwife or doula.
What can you expect to pay?
The costs for midwives vary depending on where you live – theyâ€™ll be less expensive in Texas than they are in California, just like everything else. Expect to pay around $3,500, which was about $2,000 less than a woman giving birth in the hospital was charged at the hospital I used to work at.
A doulaâ€™s cost varies, from around $300 for a doula-in-training who needs to assist some laboring women before she gets her certification, to around $800 for an experienced doula. If sheâ€™s a well-known doula in the community and highly-sought after, expect to pay a little bit more. (The same holds true for midwives).
For some, these numbers are no big deal and are absolutely worthwhile costs for such an important event. However, I know that when I was pregnant and finding this out, I thought it would be impossible to have my baby at home because I couldnâ€™t pay for it.
But I did find a way. This was way too important to me to just give up because I didnâ€™t have much money at the time. Where the desire is strong enough, a way will be found.
1. Payment Plans
Many midwives offer payment plans that end with the final bit being paid by 37 weeks. Some may require a certain percentage up front, so this is definitely something you want to find out during the interview process.
You could try working out something similar with a doula by hiring her early on in your pregnancy, rather than waiting until the end of the second, or beginning of the third trimester.
2. A season of sacrifice
Intentionally simplifying your life while pregnant is not only good for you – it allows you to focus on the new baby and enjoy the miracle that it is – but it can also be good for your budget. Deciding to have a â€śseason of sacrificeâ€ť where you cut expenses can go a long way toward paying for the care you want.
A few things that you could cut back on gradually until theyâ€™re gone:
- Starbucks (decaf, of course), chai lattes, or other expensive morning drink habitsÂ - Take your pregnancy tea to go.
- Cable or satellite – Save a lot of money by cutting TV completely or switch to Netflix where you can get unlimited instant watching for $7.99 per month.
- Cell phone – Call and ask for a rate plan anaylisis. You could significantly lower your bill if you’re paying for more than you’re using.
- Eating out – Try cutting this significantly and eat simple, nourishing food at home.
- Going to the movies – Rent a movie at redbox or use netflix to have more frequent, cheaper date nights with your husband.
Instead of spending all of your money on these, you can use it to pay for the labor support you want.
ImageÂ byÂ frankh
3. Increasing income
Iâ€™ve read many times that we use 20% of our possessions 80% of the time. My own experimenting with decluttering has proven this to be true. So what do you do with the 80% that you donâ€™t use? Sell it.
Much of it can be given away, but there are probably numerous items that can be sold. You can hold a yard sale, but expect to get less on the bigger ticket items. Thereâ€™s always Craigslist – which has its fair share of spam, but is also free. And then thereâ€™s good old Ebay. You will pay fees and have to ship your items, but they do give you access to a whole lot of people.
4. Baby Showers/Blessingways
There are a lot of baby shower gifts that will be given to you that you will never use. Or, you’ll use it once and no more (this isn’t just the minimalist in me talking to you, I promise). Rather than asking for the conventional gifts, let people know that you prefer cash to go toward your “amazing birth attendant fund.” If some people feel weird about giving cash, ask your doula or midwife if they offer birth certificates on their websites.
Some doulas and midwives are happy to barter for their services. While you’ll probably still have to pay some money out-of-pocket, you’ll be able to reduce that amount by offering something in exchange for their services.
- Website design
- Custom furniture
- Coaching (I happily traded my doula services with a friend who offers branding coaching for businesses)
- Auto repair
There are several possibilities for goods/services that you could trade. If you’re unsure, you can just ask. If they say no, (or yes) employ the other ideas to help you pay for these important birth and pregnancy services.