Is my childbirth class covered by insurance?

Many insurance companies do cover childbirth education expenses. To determine eligibility you should call the number on the back of your card and speak to a representative.

Codes you may need:

The CPT code for childbirth classes is: S9436

The diagnosis code for childbirth education is: Z32.2

Can I use my HSA/FSA to pay for my class ?

You may be eligible to use your HSA/FSA account.

FSA: Rules can vary by employer, so check with your FSA administrator or review your plan documents.

HSA: HSAs generally follow IRS guidelines, which allow for childbirth classes if they are primarily for medical care (not just general education).

Always verify with your FSA/HSA administrator before paying, as policies can differ.

Then you can use your itemized receipt to submit for reimbursement.

Why might I need a letter of medical necessity?

A Letter of Medical Necessity (LMN) for Childbirth Classes is a document written by a healthcare provider (such as an obstetrician, midwife, or primary care physician) to justify the medical need for attending childbirth education classes. This letter is often required by insurance companies to cover the cost of the classes, especially if the classes are not typically included in standard prenatal care benefits.

I have Medicaid could I be covered?

Fifteen states provide coverage for childbirth education classes through their Medicaid program. Check with your state to see if your class is covered.