How to Get Your Insurance to Pay For Your Doula (Comprehensive Guide)

Pregnancy and Postpartum Care for Everyone

The price range for doula services in the United States can vary significantly, from $800 to $3,500. On average, basic doula services, which typically include unlimited communication, prenatal and postpartum visits, and continuous support during labor and delivery, may cost around $1,300. Additional services like childbirth education or specialized postpartum support can increase this amount.

When hiring a doula, you'll likely need to pay the full cost upfront. The process involves submitting the paid invoice and insurance claim form to your insurance company for reimbursement. While some insurance companies cover all doula expenses, others may cover only certain associated costs.

You can explore using Health Reimbursement Accounts (HRAs), Health Savings Accounts (HSAs), or Flex Spending Accounts (FSAs) to cover eligible healthcare expenses, including doula services. Changes introduced by the CARES Act have expanded reimbursable items, making it worth investigating the possibility of having your doula services covered.

It's important to note that expenses related to a doula primarily providing labor and delivery support are typically considered reimbursable, while postpartum doula charges focused on childcare may not be covered. Ensuring clarity with your insurance company about coverage and reimbursement is crucial, and parents are advised to contact their insurance company's benefits department for detailed information.

Before hiring a doula, inquire about their National Provider Identification (NPI) number. This is necessary for submitting reimbursement claims to your insurance company. Additionally, consider adding doula services to your online baby registry or using HSA, HRA, or FSA cards to cover upfront costs.

Here's a step-by-step guide on how to navigate the reimbursement process in eight easy steps:

  1. Verify benefits with your insurance company and obtain written confirmation.
  2. Pay your doula in full.
  3. Collect a detailed receipt from your doula with essential information.
  4. Request additional documents from your doula, including certification and a detailed letter.
  5. Obtain a letter of necessity from your OB or midwife (here is a sample letter).
  6. Write your own letter explaining the need for a doula.
  7. Gather evidence on the benefits of doula care.
  8. Submit your Health Insurance Claim Form with all necessary documents to your insurance company after the birth.

Match with top-rated Doulas near you who are insurance-approved and have experiences guiding you through the process: