How Much Do Midwives Cost: Insights into Pricing and Services

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When considering the journey of pregnancy and childbirth, many expectant parents explore the option of using a midwife for prenatal care, labor, and delivery. Learn more about the costs associated with midwifery care.

woman smiling at pregnant woman

Midwives are trained professionals who support and assist women during the crucial time of pregnancy and childbirth, providing a personalized and often holistic approach to maternity care. The cost of hiring a midwife can vary widely based on location, services provided, and whether the care is given at home, in a birthing center, or in a hospital setting.

Understanding the fees associated with midwifery services is an important step in planning for your baby’s birth. These costs can range from a few thousand to several thousand dollars, depending on factors like the midwife’s experience, the type of birth planned, and the length and complexity of the care you require. Some midwives offer sliding scales, payment plans, or bundle their services into comprehensive packages, which can affect the overall cost.

As someone who birthed all three of my children with midwives and a wonderful doula, in this article I will share more about navigating this potential birth choice.

Note: Some links may be affiliate links. That means I may make a commission if you use my links to purchase, at no extra added cost to you! I only recommend products that I personally love and believe in. Full disclaimer here.

doppler on pregnant belly

Understanding the Cost of Midwifery Care

The cost of hiring a midwife varies based on numerous factors, and understanding these can help you make informed financial decisions. Comparatively, midwives may offer a different fee structure than obstetricians, which can affect your overall maternity care budget.

Factors Influencing Midwife Costs

Midwife costs are influenced by several variables which can include their level of experience, the type of practice, and the location where services are provided. Here is a brief overview:

  • Experience: More experienced midwives may charge higher rates.
  • Type of Practice: Individual practitioners may have different rates compared to those working with birthing centers or hospitals.
  • Location: Costs can vary widely by region due to cost of living and local demand.
  • Services Offered: Some midwives provide comprehensive care, which includes prenatal, birth, and postpartum care, while others might charge for each service separately.
  • Insurance Coverage: Your insurance plan may cover certain midwifery services, which can significantly reduce out-of-pocket expenses.

It’s crucial to discuss with potential midwives what their fees include and whether they offer payment plans or sliding scale rates based on income.

Comparing Midwife and Obstetrician Fees

When choosing between a midwife and an obstetrician, you must consider the differences in services and the associated costs.

Obstetricians generally provide a more medicalized approach to childbirth, which can result in higher fees due to facility costs and interventions. Midwives often emphasize natural birthing experiences, which can be less expensive. However, the specifics of your insurance coverage can greatly affect your financial responsibility, so it’s important to verify what is included in your policy.

Insurance Coverage for Midwife Services

Your understanding of how insurance can cover midwifery services is essential. Certain policies and plans may significantly reduce your out-of-pocket costs.

Private Insurance and Midwifery

If you have private insurance, it’s important to check whether your policy includes coverage for midwifery services. Coverage can vary greatly depending on insurance companies, your provider and plan. Here’s what you should consider:

  • In-network vs. Out-of-network: Many insurance plans have a network of providers. Midwives who are in-network typically cost you less. It’s crucial to confirm if the midwives you are considering are covered by your plan.
  • Coverage Limits: Some plans may place limits on the types of midwifery services covered or the settings in which they are covered, such as in a hospital versus a birthing center.
  • Pre-authorization: For some insurance plans, you may need pre-authorization for midwifery services to be covered.
  • Deductibles and Co-payments: Your plan may include deductibles and co-payments that affect the overall cost you will pay out-of-pocket.

It’s wise to contact your insurance provider to understand the specific details of what is covered under your plan.

Medicaid and Medicare Involvement

Medicaid and Medicare are government-funded programs that may cover midwifery services, though they work quite differently.


  • Comprehensive Coverage: Medicaid often provides more comprehensive coverage for midwifery services when compared to private insurance. It usually covers prenatal, birth, and postpartum care.
  • State Variability: Coverage can vary by state, so it is important to check your state’s specific guidelines.


  • Coverage through Medicare is more limited since it primarily serves people over 65 and younger individuals with disabilities. Typically, Medicare won’t cover midwifery services unless they are part of a medically necessary procedure that falls under the scope of the covered services.

Midwife Services and Birthing Options

Choosing a birth setting and deciding on a midwife service are crucial decisions in your maternity care. Your options broadly include home births overseen by midwives, or hospital and birth center deliveries where midwives can also attend to you.

Home Births with Midwives

When you opt for a home birth, a certified midwife provides personalized care in the comfort of your own home. Home births are typically best suited for low-risk pregnancies. The costs can vary greatly by location but generally include prenatal visits, the birth itself, and postpartum care. Below is a simplified cost breakdown:

  • Prenatal Care: $1,500 – $3,000
  • Labor and Delivery: $2,000 – $4,000
  • Postpartum Visits: $500 – $1,000

These fees often cover consultations, the midwife’s time, any assistants present during the birth, and follow-up care. Remember, insurance coverage for home births can be limited, so you should check with your provider.

Hospital and Birth Center Deliveries

For a hospital birth under the care of a midwife, you’ll receive the benefits of a home birth experience with the medical resources of a hospital. Hospital births with a midwife may be partially or fully covered by insurance, but co-payments and deductibles can apply. A simplified fee structure could look like this:

  • Prenatal Care: Often covered by insurance; out-of-pocket costs can range from $0 – $3,000
  • Hospital Stay: Average cost without insurance is $3,000 – $5,000 per day

Birth center deliveries offer a midway option between a hospital and a home setting, often with a more homelike atmosphere. Costs vary widely based on location and services provided:

  • Birth Center Package: $3,000 – $7,000

This typically covers prenatal care, the birth, and immediate postpartum care. It’s essential to verify with your insurance what aspects of birth center care are covered.

midwife examining pregnant woman

What to Expect from Prenatal to Postpartum Care

During the course of your pregnancy and after childbirth, you can expect a series of prenatal and postpartum visits, tests, and support services. This period focuses on ensuring your health and your baby’s health and preparing you with the necessary supplies and knowledge for labor and newborn care.

Prenatal Visits and Tests

Your prenatal care journey typically involves regular check-ups with a midwife. These appointments are critical to monitor the development of your pregnancy and to catch any potential issues early.

  • First Trimester: Expect an initial consultation, often followed by monthly visits. Common tests include:
    • Urine tests to check for infections and glucose levels.
    • Blood tests to determine blood type, Rh factor, and screen for anemia.
  • Second Trimester: Visits may continue on a monthly basis, with additional tests such as:
    • Ultrasound scans to assess fetal growth and anatomy.
    • Glucose screening to test for gestational diabetes.
  • Third Trimester: As you near delivery, appointments may become more frequent.
    • Biophysical profiles to monitor fetal health.
    • Discussions about birth plans and supplies needed for labor.

Postpartum Visits and Support

After delivery, postpartum care focuses on your recovery and adjusting to life with a newborn.

  • Initial Postpartum Period: Within the first week, a visit will check on your physical and emotional well-being.
  • Follow-up Visits: Usually occur at 2, 4, and 6 weeks postpartum to ensure proper recovery and address any concerns.ipp
  • Newborn Care: Support in breastfeeding, newborn screenings, and vaccination schedule.
  • Recovery Assistance: Guidance on self-care, postpartum depression symptoms, and advice on resuming normal activities.

Professional Qualifications of Midwives

Midwives offer vital healthcare services, particularly in maternity care, and their qualifications are essential for safe and effective practice. Two primary paths lead to certification in the midwifery profession: Certified Nurse-Midwives and Certified Professional Midwives.

Types of Certified Midwives

Certified Nurse-Midwives (CNMs) are educated in both nursing and midwifery. They graduate from a nurse-midwifery education program accredited by the Accreditation Commission for Midwifery Education (ACME) and must pass the American Midwifery Certification Board (AMCB) exam. CNMs typically have a Bachelor of Science in Nursing (BSN) before entering a graduate program that leads to a master’s or doctoral degree in midwifery.

  • Education Path:
    • Bachelor’s degree in nursing (BSN)
    • Graduate program in midwifery (Master’s or Doctorate)
  • Certification:
    • AMCB Examination

Certified Midwives (CMs) have a background in a health-related field other than nursing and graduate from a midwifery education program that is also accredited by ACME. CMs, like CNMs, must pass the AMCB exam. This pathway is available in a limited number of states.

  • Education Path:
    • Health-related bachelor’s degree
    • Graduate program in midwifery
  • Certification:
    • AMCB Examination

Certified Professional Midwives (CPMs) are trained to provide maternity care to women with low-risk pregnancies and may come from a variety of educational backgrounds. They must meet the standards set by the North American Registry of Midwives (NARM) and pass the NARM exam.

  • Education Path:
    • Various direct-entry routes
    • NARM-approved education program or apprenticeship
  • Certification:
    • NARM Examination

The Role of Licensure in Midwifery

Licensure for midwives serves to ensure that those practicing have met the minimum competency standards to provide safe care. State licensure varies in the United States, and it is not always required to practice. Be sure to check your own state laws before researching providers.

  • Licensed Certified Nurse-Midwives (CNMs) are recognized in all 50 states, the District of Columbia, American Samoa, Guam, and Puerto Rico. A licensed certified nurse midwife is authorized to provide a full range of services, which includes prescribing medication.
  • Licensed Certified Midwives (CMs) have legal recognition in a fewer number of states compared to CNMs. However, their scope of practice and prescriptive authority, where recognized, is similar to that of CNMs.
  • Licensed Certified Professional Midwives (CPMs) can practice in states that have licensure laws for CPMs, which varies across the country. Some states without specific CPM licensure allow them to practice under other health care licenses.

The American College of Obstetricians and Gynecologists (ACOG) recognizes the importance of licensure and suggests that all individuals providing maternity care should be licensed and meet standards for their practice. Licensure is often multifaceted involving education, examination, and a set scope of practice.

Planning for a Midwife Led Birth

When planning for a midwife-led birth, key considerations include creating a detailed birth plan and preparing for the delivery setting, whether at home or a birth center.

Creating a Birth Plan with a Midwife

A birth plan is a document outlining your preferences for labor and delivery. With a midwife, this process emphasizes a holistic approach to childbirth. Here are specific steps to include:

  1. Discuss low-risk pregnancy assurance: Ensure you understand the criteria for low-risk pregnancies that are appropriate for midwife-led care.
  2. Specify desires regarding medications and epidurals: Clearly state your preferences for pain management, including alternative options such as a water birth.
  3. Review potential complications: Have a plan for transferring to a hospital setting if complications arise during labor or delivery that require medical intervention.

Preparing for Home or Birth Center Delivery

Depending on the selected location for delivery, preparation needs will vary.

  • Home Birth Preparation:
    • Safety Equipment: Make sure your midwife has the necessary equipment to monitor the baby and handle emergencies.
    • Environment: Prepare a calm and comfortable space that supports your birth plan choices, like a water birth setup if desired.
  • Birth Center Preparation:
    • Tour the Facility: Familiarize yourself with the environment where you’ll deliver to ensure it aligns with your birth plan.
    • Policies and Procedures: Understand the center’s policies on handling sudden complications, including transfer protocols to a nearby hospital.

By thoughtfully considering these aspects, you’ll be better prepared for a midwife-led birth experience.

woman in labor in hospital being examined

Additional Midwife Services and Support

Midwives often offer comprehensive care beyond the birthing process, including guidance on breastfeeding and newborn care. These services can facilitate a smooth transition into parenthood and ensure your confidence in caring for your new baby.

Breastfeeding and Lactation Guidance

Midwives can provide personalized breastfeeding support tailored to your needs. Often, this includes:

  • Education on Techniques: You’ll learn various breastfeeding positions and latch-on techniques for a more successful feeding experience.
  • Lactation Supplies: Midwives might offer rentals or sales of breast pumps and other lactation supplies or can direct you to where you can purchase them.
  • Support Sessions: Some midwives offer home visits or support groups for ongoing breastfeeding challenges.

Newborn Care and Follow-Up

For newborn care, midwives bring expertise for:

  • Initial Health Checks: Immediately after birth, midwives perform health assessments to ensure your baby’s well-being.
  • Personalized Newborn Care: You’ll receive instructions on bathing, diapering, and recognizing newborn hunger cues, among other necessities.
  • Follow-Up Visits: Scheduled visits post-birth to monitor your baby’s development and address any concerns you may have.

Midwife services for breastfeeding and newborn care may incur additional costs, so it’s recommended to discuss these ahead of time to plan financially.

Understanding the Financial Aspects

When choosing a midwife for your childbirth experience, understanding the costs involved is crucial. You need to consider payment options and additional out-of-hospital expenses that may arise.

Midwife Rates and Payment Plans

Midwives typically offer various services at different rates, and these can be influenced by the type of care you seek, whether that’s prenatal, labor and delivery, or postpartum care. Rates vary significantly based on geographic location, the midwife’s experience level, and services provided.

  • Standard Cost Range:
    • Prenatal Visits: $50 – $200 per visit
    • Labor and Delivery: $1,500 – $3,000 total
    • Postpartum Care: $50 – $200 per visit

Payment plans often make these costs more manageable, and you can usually arrange them directly with your healthcare professional. Some midwives may offer sliding scales or bundled rates to make their services more affordable. Additionally, private insurance companies may cover some or all of the costs associated with midwifery, depending on your plan and the midwife’s affiliations.

Out-of-Hospital Cost Considerations

Choosing an out-of-hospital setting for childbirth can impact your costs significantly. Birth centers or home births often entail different pricing structures compared to hospital deliveries. It’s important to consider that while the base rate for midwife services may be lower, there could be additional out-of-pocket expenses.

  • Possible Additional Costs:
    • Medication: Varies based on needs
    • Birth Facilities: $300 – $3,000
    • Supplies for Home Birth: $100 – $500
    • Additional Professional Fees (e.g., doula): $500 – $2,000

Verify with your midwife what is included in their rate and check with your insurance provider for coverage details. Not all insurance plans cover out-of-hospital births, and you may need to negotiate coverage or pay out-of-pocket for some services and supplies. Clinics and midwife practices may also have affiliations or partnerships with facilities that offer discounts or packaged rates.

Frequently Asked Questions

This section covers some of the most common inquiries about midwife costs, providing you with a clearer understanding of the financial aspect of midwifery services.

What are typical fees for midwife services without insurance coverage?

Without insurance, you can expect to pay anywhere from $3,000 to $8,000 for complete midwifery care. This typically includes prenatal visits, the birth itself, and postpartum follow-up.

How does insurance impact the cost of hiring a midwife?

If you have insurance, a significant portion of the midwife’s fees may be covered, depending on your policy. Some insurers classify midwives as in-network providers, potentially reducing your out of pocket cost.

What price range can I expect from midwives in my local area?

Midwife fees vary widely depending on regional cost of living and the specific services provided. Contact local midwives directly to discuss their rates and any additional fees that might apply.

What is the financial difference between a midwife-assisted home birth and a hospital birth?

A midwife-assisted home birth is often less expensive than a hospital birth. Hospital births can range from $10,000 to $20,000 or more, not including fees for any arising complications, while home births generally stay within the $3,000 to $8,000 range.

Can contracting a midwife for childbirth lead to a more cost-effective experience compared to traditional hospital delivery?

Choosing a midwife for your childbirth can be more cost-effective, as midwifery services often include comprehensive care at a lower price point compared to hospital births, which can accrue additional costs for interventions and extended stays.

Final Thoughts on the Costs of Hiring a Midwife

When budgeting for midwifery services, it’s essential to consider what is included in the fee for medical care, lab work and postpartum needs. This often covers prenatal visits, labor and delivery support, and postpartum care, but it’s important to confirm with your midwife.

Additionally, it’s vital to verify whether your health insurance company covers midwifery services, as this can significantly impact your out-of-pocket expenses. Be informed and deliberate when inquiring about costs and services to ensure that you make the best choice for your needs and financial situation.

Disclaimer: The information on our site is NOT medical advice for any specific person or condition and is only meant for general information. These statements have not been evaluated by the Food and Drug Administration. The contents of this article is for informational purposes only and is not intended to be a substitute for professional medical advice, diagnosis or treatment. Always seek the advice of a qualified healthcare provider with any questions you may have regarding a medical condition, yourself or your child. Reliance on any information provided by these articles is solely at your own risk.

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