When asking if Midwives are covered be sure to define the Midwife type. Many Licensed Midwives are experiencing denials because plans are only covering Certified Nurse Midwives. It is important to ask the Insurer if Licensed Midwives are covered and then to go one step further and ask “Are there any exclusions on the policy?” Often out of state plans will require Midwives to be Certified and supervised by a physician there are also some self funded plans requiring this also. Make sure you are covered by being very specific. Some insurance representatives still have not had the “Do you cover home births ” question.