​At Bozeman Birth Center, we are proud to offer affordable, high-quality care for every stage of your journey—including prenatal, labor, birth, postpartum, newborn, lactation, and wellness support. We understand that having a baby is a major financial commitment and one that lays the foundation for your family’s future. Whether you’re self-pay, using private insurance, a health share, or Medicaid, we’re here to guide you through the process with clarity and care.

 

For many families, this may be the first time you’ve had to navigate your health insurance in a meaningful way. We believe in full financial transparency and will walk with you every step of the way to help you understand your options and choose what’s best for you and your family.

 

Insurance Billing and Reimbursement

 

We work with most major private insurance companies; however, we are currently considered out-of-network with all of them. We offer traditional itemized billing throughout the process and can provide you with an estimate of what we’ll bill your insurance (a full price list is available in our office). Actual costs will vary based on the services you receive throughout pregnancy, birth, and postpartum.

 

Out-of-network billing and reimbursement can be complex, but we’re here to help simplify it. We’re happy to walk you through the process, explain what to expect, and help you understand your potential out-of-pocket costs.

 • Click here to schedule a free consultation and tour.

 • Click here to verify your benefits (VOB).

 

Early Pay and Pay-in-Full Discounts

We also offer early pay and pay-in-full discounts. These options are especially helpful if you:

 • Don’t have health insurance,

 • Use a health share program, or

 • Have a high-deductible plan.

 

In many cases, this can be the most cost-effective choice for families—regardless of insurance status.

 

With this option, your balance is due before your baby’s birth and covers everything that takes place at the Birth Center: prenatal care, labor and birth, postpartum and newborn care, labs, necessary IVs, medications, and oxygen if needed. There are no extra charges for additional time or extra support.

After your baby is born, we’ll provide you with a paid invoice and a Superbill, which you can submit to your insurance company for direct reimbursement. If desired, we can connect you with our third-party billing specialist to support you through this process. Reimbursement amounts are typically similar whether you choose early pay or go the traditional insurance billing route—but with early pay, your out-of-pocket costs are often significantly lower.

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We understand that planning for your birth experience is both a personal and financial decision. If you are self-pay, one of the flexible options available to you is Credee, a financing installment plan that allows you to spread out payments over a longer period of time—making high-quality, personalized midwifery care more accessible. If you’d like to learn more about how Credee works and whether it’s the right fit for your family, Frances is here to help walk you through the details and answer any questions you may have.