How much does a midwife cost in Orlando in 2025?

If you dream of getting personalized care through a midwife, one big piece of the puzzle is figuring out the costs. I’m here to walk you through what to expect for hiring a midwife in Central Florida in 2025, plus some practical ways to make it work financially.

Breaking down the costs

As of May 2025, the cost for a home birth with a licensed midwife in Central Florida remains steady from 2024, ranging between $7,000 and $10,000. These prices haven’t shifted since 2024 much due to stable demand, but inflation could nudge them higher if you read this later.

For those planning a hospital birth with prenatal care from a midwife, expect to pay around $4,500. The price usually covers personalized prenatal support while delivering in a hospital setting.

At Moments Midwifery, we believe in transparent, upfront pricing. Check our pricing page for all the details. We go above and beyond with our care, including more than what’s typical because your birth experience matters.

Why don’t most home birth midwives take insurance?

It’s frustrating, I know—insurance doesn’t always make things easier. Here’s the deal: when midwives are in-network with insurance companies, the reimbursement rates for home births are often so low that a practice can’t stay afloat. Florida law (section 627.6406) does require insurance to cover licensed midwives, and most midwives can provide a global bill for you to submit for reimbursement. But there’s a catch.

The law allows insurers to impose high deductibles, coinsurance, or other fees, which can drastically reduce what you get back. In my experience, some insurance companies make reimbursement a long, uphill battle, sometimes taking years. It’s not right, but it’s the reality we’re still navigating in 2025.

Why don’t most midwives accept Medicaid?

Medicaid is another tough one. The reimbursement rates for midwifery services are often less than 10% of cash-pay fees—nowhere near enough to keep a practice running. Some midwives in Central Florida limit Medicaid patients to a few per month, while others have stopped accepting it entirely. Even some birth centers, which serve more patients, are pulling back from Medicaid in 2025 due to low payouts.

Feeling overwhelmed by costs? Here are some options

1. Christian Share Programs

Christian share programs are a faith-based alternative to traditional insurance, where members pool resources to cover each other’s medical bills. They fall under the Affordable Care Act’s faith exception, so you can join instead of having standard health insurance. In my experience, programs like Samaritan Ministries can reimburse up to $10,000 for midwifery care since home births cost insurers far less than hospital births.

Note: If you’re already pregnant, these programs may consider it a pre-existing condition and won’t cover the costs. Plan if you can!

2. Programs for non-Christians

Not part of a faith-based community? There are health-sharing options for non-Christians, though I haven’t worked with them directly. Based on my research, programs like Knew Health or HSA for America might be worth exploring. You’ll need to confirm if they cover home birth midwives, as coverage varies. Let me know if you try one—I’d love to hear how it works!

3. Credit for healthcare services

Healthcare financing can be a lifeline, with options like medical credit cards or loans tailored for medical expenses. I’m currently digging into the best choices for my clients, but companies like CareCredit are a good starting point. You might also connect with a financial advisor specializing in healthcare costs for personalized advice.

4. Plan and budget

Most midwives, including us at Moments Midwifery, offer flexible payment plans. You can spread out payments over your pregnancy, typically until 34–36 weeks. For example, if you start care at 8 weeks, you’ve got about 7 months to pay.

Here’s how it breaks down:

• $7,000 balance: ~$1,000/month

• $8,000 balance: ~$1,142/month

• $9,000 balance: ~$1,285/month

• $10,000 balance: ~$1,429/month

  
  

Note: Some midwives refund part of your fees if complications lead to a hospital birth. Ask your midwife for their policy to be sure.

5. Birth centers

Birth centers often have more financing options, like Medicaid or in-network insurance, because they serve more patients. The volume can make them more affordable, but there’s a trade-off: less personalized care, as you may not know who will attend your birth. If a birth center feels right, I’ve compiled a list of Orlando birth centers to help you choose.

Why choose midwifery care in 2025?

According to local health reports, home births are rising in Central Florida, with a 15% increase in demand since 2020. Midwives offer personalized, holistic care that empowers you through your birth journey. While costs can feel like a hurdle, the above options and our transparent pricing can make it achievable.

Ready to discuss this further? Schedule a free consultation today or shoot me an email at kaitlin@momentsmidwifery.com.