Pregnancy and birth are life changing events that don’t always go the way you expect.

When you invest in Birth Story Obstetrics, you are making a wise and intentional decision rather than leaving your experience to chance.

FINANCIAL FAQs

Dr. Anna Dowling believes that what frustrates patients about their healthcare has less to do with their doctor, and is more about their insurance.


In order to provide you with the highest quality of care, we operate under a direct payment model that avoids the limitations of insurance. This allows us to prioritize individualized care with longer appointment times, and direct access to your doctor. 

Our commitment to you is to make our fee structure clear and transparent: 

  • We will provide an estimate of fees at the beginning of your care, and provide an invoice after each visit listing the diagnosis and the services provided, which you can submit to your insurance company for reimbursement if you have out-of-network benefits. 

  • Dr. Anna Dowling has hospital privileges at St Joseph Medical Center. You can use your insurance to cover the cost of all labs, formal ultrasounds, and hospital-related fees.


“Your healthcare decisions should be made by you, not your insurance company. I want my patients to have the very best outcomes possible, which requires time, individualized care plans, and attention to detail. To provide the care my patients deserve, I realized I had to eliminate insurance companies from the equation.”

Dr. Anna Dowling, MD

Financial FAQs

  • No, we do not accept insurance. This allows us to provide you with the best care possible.

    • Initial  Prenatal Visit - 90 Minutes
      Includes comprehensive history, physical exam, bedside ultrasound, discussion of genetic screening options, and orders for all routine prenatal labs.

    • 13-15 Prenatal Visits - 45 Minutes
      Includes routine testing and bedside ultrasound as indicated.

    • Attentive care during labor and birth

    • Comprehensive postpartum care, including a home visit

  • Birth Story Obstetrics will provide you with a detailed invoice that you may submit to your insurance provider. Reimbursement depends on your out-of-network benefits.

  • Yes! We work with you to structure your payments over a period of time that works for you.

  • All labs, formal ultrasounds, hospital and birth center facility and service fees will be billed directly to your insurance.

  • Yes! All of our services are designated as qualified medical expenses.

Contact us if you have a question that is not covered here, we’d be happy to help.

We would be honored to be a part of your story. 

Ready to learn more?

Call us at (360) 220-9854 for a 20 minute complimentary consultation.