Home Births

This policy covers planned home births when mandated by law or benefits and when provided as medically necessary by a participating, credentialed Plan provider (e.g., AMCB‑certified midwife or obstetrician) for appropriately selected low‑risk patients — singleton, cephalic pregnancies with no prior cesarean, no significant maternal disease, and spontaneous labor between 37 0/7 and 41 6/7 weeks (outpatient induction 39 0/7–41 6/7 weeks). Coverage requires a written emergency‑care/transport plan able to reach a hospital within 15 minutes, two planned providers (including an NRP‑certified infant caregiver), admitting‑privileged supervising obstetrician/ABOG‑qualified backup, and services that do not meet these staffing, supervision, admitting‑privilege, transport or low‑risk selection requirements are excluded.

"Planned home birth is considered when coverage is mandated by law or by the member/enrollee’s benefit language."