BloomCare Billing assists families in getting reimbursed by their insurance company after an out-of-hospital birth with a licensed midwife. We manage the paperwork, submit your claim, and guide you through the process with care and clarity.

Our services are for families who paid out-of-pocket for midwifery care and want to seek insurance reimbursement. We primarily serve clients who had home births or birth center births with licensed providers.

We do not offer refunds, as we put time and care into preparing each claim.

The fee you paid your midwife or birth center is a flat-rate package they’ve set for their care. It’s usually a discounted rate for families paying out-of-pocket and doesn’t involve insurance billing. ​ When we submit a claim to your insurance, we bill for the actual services provided using standard codes. That amount may be higher or lower than the flat fee you paid. The insurance company calculates reimbursement based on their own rates—not your original payment.

Getting started with BloomCare Billing is simple! Go to Verifications of Benefits page and start filling out the form.

Nope! We take care of that for you. If we need your midwife’s information, we’ll reach out to them directly. You don’t have to coordinate anything unless we tell you otherwise.

Yes, absolutely! Many insurance plans allow you to submit claims up to a year after birth. If you're unsure whether you're still eligible, we can help you check your plan’s filing deadline. It's never too late to ask—reach out and we'll take a look!

Changing insurance mid-pregnancy or postpartum can affect your claims. We'll need to submit separate claims for each insurance provider. Please inform us promptly about any insurance changes so we can adjust our billing process accordingly.

We start working on your claim after your final postpartum visit, typically around 6 weeks after birth, to ensure all services are completed and documented.

Unfortunately, no one can guarantee reimbursement. However, we do everything possible to maximize your chances by submitting complete and accurate claims with all required documentation.

Most families hear back from their insurance company within 6–12 weeks, but it can vary. We monitor your claim and provide guidance if additional steps are needed.

If your insurance denies your claim or doesn't reimburse you, BloomCare Billing will still charge the $70 administrative fee per claim. This fee covers the time and expertise involved in submitting and managing your claim.

​When your claim is approved but the payment is applied to your deductible, it means your insurance processed the claim but didn’t issue a reimbursement because you still need to meet your deductible amount. In this case, BloomCare Billing will charge the $70 administrative fee per claim for the work involved in submitting and managing your claim. No percentage fee is charged since no reimbursement was paid.

We charge a $70 fee plus 9% of whatever your insurance reimburses per claim. Most families have two claims — one for the birthing parent and one for the baby. Your midwife usually receives the reimbursement and then passes 91% to you, while BloomCare Billing receives the $70 fee plus 9% of the payment. We’ll collect your credit card info upfront but only charge after your final postpartum visit, and we’ll always notify you before charging.

In most cases, the reimbursement check is sent directly to your midwife. Once they receive it, they will: Deduct 9% of the reimbursement as our billing fee Forward the remaining 91% to you The $70 administrative fee is charged before insurance reimburses and is a separate, non-refundable fee. If the reimbursement is sent directly to you instead, we’ll invoice you for the $70 fee per claim upfront plus 9% after the funds arrive.

You can track your claim status through your insurance company's online member portal or mobile app. If you can't find the information online, call the customer service number on the back of your insurance card with your claim number ready.