Financial planning is an essential component of preparing for the birth of your baby. The Minnesota Birth Center (MBC) is happy to be your partner in planning for your pregnancy-related healthcare costs so that upon the arrival of your sweet baby there are no financial surprises. MBC works frequently with self-pay clients, including those who participate in medical cost-sharing groups like Samaritan Ministries or Medishare. We offer a 15% discount off the billed amount for any client who is self-pay.
Financial Policy for SELF-Pay CLIENTS
– Insured Clients, please click here –
MBC’s financial policy for self-pay clients is that they prepay their anticipated costs for care by 37 weeks of pregnancy. If you are planning on birthing at one of our birth centers, MBC will also collect a down payment for your baby’s anticipated costs for care.
We hold these prepayments in your MBC account as a credit. As claims for your care process we will draw from your prepayment to satisfy the amount due. At the conclusion of your care with MBC any amount you have overpaid will be refunded to you, and any amount you still owe (perhaps due to additional care you received in pregnancy) will be billed to you.
Our hope is that by prepaying a good chunk of the cost of your care before your baby even arrives earthside, that you will have fewer bills to worry about when you are home together as a family.
what you can expect when you establish care at MBC
Prior to your first visit with us, you will be presented with a self-pay financial contract that reflects your prepayment amount. We ask that you make a plan to prepay this amount by completing your contract no later than your second visit. You get to choose when and how you prepay (e.g. one lump sum or multiple prepayments), as long as all prepayments are made by 37 weeks or alternative arrangements have been made. As a self-pay client we will also send you a “Cost of Care” estimate similar to this one which you may use to begin any reimbursement process with your cost-sharing ministry. Beginning February 1st, 2020, there will be a 2.5% processing fee for all debit and credit card transactions in order to offset the merchant fees charged by the card issuer. There is no processing fee for check and cash payments.
Please take a moment to review the most commonly asked questions about paying for care at MBC. In addition, our Billing Team is happy to assist you via phone or email (612-545-5311 ext. 1 / email@example.com). We respond to billing inquiries within two business days.
Frequently asked questions
The MBC BirthBundle® listed below outlines the average costs for birth at MBC. As a self-pay client we would provide you with a similar “Cost of Care Estimate”, which would reflect a 15% discount from the amount we typically bill for services. You can use this document as a starting point for reimbursement with your cost-sharing group.
Remember that the Cost of Care Estimate is for routine care at MBC. It does not include the cost of labs (typically sent to Quest Diagnostics), problem visits, non-routine care, or any care received at Abbott or United Hospitals or any facility outside of MBC. These businesses will bill you directly.
MBC’s providers (Certified Nurse-Midwives, RNs, Sonographers, and Medical Director) are committed to practicing evidence-based care and will only assess, test, and treat when medically indicated.
CPT / CARE FOR MOTHER / PRICE
99205 / 60 min Initial Consultation / $400.63
81025 / Pregnancy Test / $15.00
99000 / Specimen Handling x 3 / $27.60
36415 / Venipuncture x 3 / $36.00
59400 / Maternity Care / $4,590.00
96127 / Mental Health Assessments x 6 / $90.00
76805 / 20wk Ultrasound / $418.13
59409SG / Facility Fee / $4,900.00
A4550 / Delivery Supply Kit / $150.00
99349 / Home Visit / $225.00
Mother Total / $10,852.36
CPT / CARE FOR NEWBORN / PRICE
99464 / Newborn Exam / $315.00
99463 / Care and Discharge / $285.77
J3430 / Vitamin K Injection / $30.00
99463SG / Newborn Facility Fee / $1,500.00
99348 / 24 Hr. Home visit / $156.00
99000 / Specimen Handling / $9.20
36416 / Heel Stick / $5.00
92558 / NB Hearing Screen / $150.00
S3620 / Metabolic Screen / $187.44
Newborn Total / $2,638.41
TOTAL BILLED TO INSURANCE: $13,490.77
Please note that the costs above are subject to change.
|Service Facility||Vaginal Delivery w/o complications*||Normal Newborn*|
|University of MN||$13,527||$4,425|
|MN State Hospital Avg||$13,572||$4,782|
If you have co-insurance on your insurance policy (i.e. the percentage of healthcare costs that you pay after your deductible has been met), then the cost-savings can be significant.
*Note: These charges reflect the average of what the hospital charges for use of their facility. This price does not include charges for the provider or other professional fees, such as pharmacy, diagnostic imaging, or lab work.Source
If you plan to not be self-pay for your Baby’s care and instead plan to add your baby to an insurance policy, it is best to do some research in pregnancy to determine how you will insure your baby, as well as what paperwork the insurance company requires in order to add your baby to the policy. We ask that you give us the details of your baby’s coverage no later than 30 days after the birth so that we can submit his/her claims for care and so that this cost does not fully fall to you.