Insurance & Payment

For primary gynecological, prenatal, and childbirth care, The Midwife Center is in-network with most private insurance and Pennsylvania medical assistance (PA Medicaid) plans. We are not able to accept out of state Medicaid plans. While we are participating with the insurance providers below, clients of The Midwife Center should call their insurance provider to confirm The Midwife Center is in-network with your specific plan. The Midwife Center currently has contracts to be in network with the following plans:

  • Aetna
  • Cigna
  • Highmark Wholecare
  • Health America
  • Highmark Blue Cross Blue Shield*
  • United Healthcare
  • UPMC Health Plan
  • UPMC for You

*The Midwife Center accepts Highmark insurance for all of its services at The Midwife Center, including birth in our facility. However, our primary referral hospital, UPMC Magee, is not in-network with all Highmark plans. If your Highmark plan is not in-network with UPMC Magee, our referral hospitals for clients with Highmark Insurance are AHN's West Penn and Jefferson Hospitals. Please check with your insurance for hospital eligibility.

More info about fees, access if you're uninsured, and more

Our goal is to make our care as accessible as possible to all, including to those without insurance. We also aim to be as transparent as we can about costs. If you do not have insurance or would like to understand more about fees for our services, please read the information below.

Primary gynecological care

If you do not have insurance or a Medicaid plan, you may be eligible to receive gynecological services on a sliding-scale based on your income and family size. The Midwife Center is a member site of Adagio Health, making it possible for us to provide these services to you at low-to-no cost.

We accept payments by cash, check, credit card, and FSA/HSA/HRA spending account cards. If you have any questions before you make an appointment, our front office is happy to help. Please contact us at 412.321.6880.

Prenatal care and childbirth

The cost of having a baby at our birth center is detailed in our Maternity Fee Schedule.

When you contact The Midwife Center to start care, we will ask you for information regarding how you plan to pay for our services. The Midwife Center is in-network with most insurance plans, however, an increasing number of commercial insurance plans include patient responsibility in the form of deductibles and coinsurance.

The Midwife Center therefore requires a pre-payment from our clients with commercial insurance plans to help cover these patient costs. The pre-payment amount ranges from $500 to $4,000, and is due by 28 weeks of pregnancy. This is outlined in a financial agreement shared with our clients at the time of intake. Clients signing a financial agreement are asked to pay $200 of their pre-payment amount at their first prenatal visit. The policy helps our independent, nonprofit birth center stay financially viable.

Claims are submitted to your insurance company after your baby is born, and the client’s final bill is generated after the insurance company pays its portion. We accept payments by cash, check, credit/debit card, and FSA/HSA/HRA spending account cards. Online payments can be made via the Client Portal on our website.

If you do not have insurance and are seeking prenatal care

You may qualify for Pennsylvania Medical Assistance (also known as Medicaid). We recommend applying online. Please visit the Department of Human Services for more information. 

  • If you qualify for Medicaid, you'll be asked to select a Managed Care Organization (MCO) to cover your care. Please see our list of in-network MCOs above.
  • Some MCOs have value-added services such as free car seats and doula services. 
  • You can request an MCO change by contacting the Department of Human Services or by contacting the MCO you wish to change to.   

If you are not eligible for Medicaid, you may be eligible to make payments on a sliding-scale and/or a payment plan.

If you have additional questions about your insurance plan, we recommend contacting your insurer or asking to speak to a member of our administrative team at your next appointment.

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