Cost Explainer

Do you accept FSA/HSA cards?  

Yes, we accept FSA/HSA cards as payment for your birth center care.


Do you accept insurance?  

Yes. San Francisco Birth Center is in the Anthem of California PPO network. Your health insurance coverage is an agreement between you and your insurer, and we cannot guarantee what they will cover.


What about out-of-network coverage?

For all other private insurance plans (Blue Shield, United Healthcare, Cigna, Aetna, etc.), we are out-of-network and fees for care are due in full directly to us. Depending on the terms of your plan, you may be eligible for reimbursement after care is complete for some portion of the cost of our services. Reimbursement varies and depends on your deductible, co-insurance, and the specific terms of your plan. Your health insurance coverage is an agreement between you and your insurer, and we cannot advise on choosing an insurance plan nor guarantee what they will cover. Our billing service will submit your claims to your insurer. Click here for more info regarding the out-of-network insurance and payment timeline.


A note regarding insurance billing for pregnancy:

Insurers treat pregnancy claims different from other medical visits. The first visit can be billed during pregnancy, while the majority of your care falls under what insurers refer to as ‘global’ obstetric services encompassing pregnancy, labor, delivery, and postpartum care all in one single code, which can be billed after your birth.


Do you accept Medi-Cal?

We are in some San Francisco Health Plan groups (including the UCSF network) and are covered by some Anthem Medi-Cal plans. We cannot guarantee your plan’s coverage and encourage you to contact your plan directly; you may need to obtain a referral from your primary care provider and/or your health plan. Health plans do not always cover all services, and some fees may be due directly from you.


Do you offer payment plans?

Yes. An initial payment is due at the beginning of care. For our self-pay/out-of-network clients, the remaining balance can be divided into equal monthly auto-payments, with the balance due in full by 36 weeks gestation.


Do you offer any discounts?

Yes. For our self-pay clients, we offer two discounts. One discount is for those who hire a professional doula. The other discount is for those having their second (or subsequent) vaginal birth. 


Note regarding missed appointments:

A $50 charge will be assessed for each missed appointment or no-show. A 24-hour cancellation notice is required in order to avoid this charge.