Insurance Guide

Health insurance can be difficult to navigate. This page is for informational use only in an attempt to demystify the complex world of insurance.

It is ultimately your responsibility to understand your benefits.

The best place to start is to call your insurance company (the Member Services phone number on the back of your insurance card) and ask them the following questions:


– Is Willow Midwives an in-network provider with my plan? How are birth and facility fees covered at their birth center?

Sometimes they will ask for our address and/or NPI number. Our address is 3033 Excelsior Blvd, Suite 585, Minneapolis, MN 55416. Our NPI # is 1801299128.

– Please explain my eligibility and benefits for pregnancy and birth. What is my deductible? What is my co-insurance percentage?

The amount you pay for your pregnancy and birth is determined by these two amounts. Your deductible is the amount you will pay out of pocket before your insurance starts paying. Your co-insurance amount is the percent of the remainder that you will be responsible for. If your plan is not in-network with us, be sure to ask what your out-of-network benefits are.

– Is Quest Diagnostics in-network with my plan?

While we will take all blood and urine samples in our clinic, all of our labs are processed through Quest Diagnostics. Our system is integrated with Quest’s, so they will use the same insurance that we have on file at Willow, and do all of the lab billing through your insurance. While standard pregnancy labs are generally covered, it is a good idea to clarify if they will be subject to your deductible or coinsurance. If you would like to call Quest Diagnostics, their phone number is 866-697-8378 .

– How are pregnancy labs, ultrasounds, and other pregnancy procedures covered under my plan? Are they subject to my deductible?

This varies with each plan.        

– When does my plan renew?

Your deductible resets at your plan’s annual start date. For example, if your plan renews every March, your deductible will reset to zero and you will have to meet that amount again before insurance starts paying. This can affect how much you pay in total for your pregnancy and birth.

Frequently Used Terms


Explanation of benefits. Not a bill, but an explanation to you about what was billed by us and what they plan to cover.  After insurance processes, we will send you a bill.  If you have your baby at our birth center, there will be an EOB for your care, for your baby’s care and for the facility in which the baby was born. (Birth Center OR hospital)


The amount that you will pay out of your own pocket, each year, for your care before the insurance company will start paying for services. Not every plan year begins in January so ask for the start date of your plan year.  Covered services are usually reimbursed at a reduced and contracted rate which affects the use of your deductible.


The percentage of your bill that you will be charged after you pay the deductible.

Out of Pocket Maximum:
The amount you are obligated to pay for services rendered. This includes your deductible and co-insurance payments. Each amount is different for in-network and out-of-network services.

In or out-of-network?

We work with you regardless of your coverage, but we are proud to say that we have in-network contracts with all major payers.  Please contact us with questions about your insurance provider as there are some variations in coverage between hospital and birth center coverage.