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Financial Information

Pay Your Bill

Pay Your Bill Securely Online

Click the secure link button below to get started. You may use your credit card, debit card or health care spending account card. We accept Visa, MasterCard, Discover and American Express. Please have your billing statement or financial agreement handy so you know how much to pay — this page doesn’t look up your bill, it just accepts whatever dollar amount you enter. Be sure to enter the client’s name in the reference information box so we know whose account to credit! Saving your receipt is always a good idea too.

Pay Your Bill

If you have questions or need help, call Erica or Shelley at 505-924-2229.

Disclaimer: Our website is secure and doesn’t save your credit card or personal information. However, if you use this site on an unsecured network, your private information may be vulnerable to hackers during transmission. For your safety, please pay only through secure, password-protected networks.

Policies For All Clients

Policies For All Clients

  • You must notify us of all of your health insurance policies, even if your primary policy will not cover all of your care.  We are required to bill your primary insurance first. If you fail to notify us of a primary policy you will be billed $50 per claim for correcting the filing.
  • Missed or cancelled appointments without a 24-hour advance notice (not including weekends) will be charged $25.
  • When you check out library books, they are due back within 4 weeks.  If they are not returned within 60 days of checkout, you will be billed $50 per book.
  • Every effort will be made to obtain the appropriate payments from your insurance company after your care is complete. You are responsible for any charges not paid by your insurance, including co-payments, deductibles and co-insurance. After all insurance claims are processed, we’ll send you a bill or refund for the difference between our contracted rates and what you and your insurance paid.  If you are unable to pay your bill please contact us immediately to work out a plan.
  • If your insurance company sends you a check for services at Dar a Luz, in many cases that check will need to be signed over to Dar a Luz. You must contact Dar a Luz about your account with us before depositing unexpected checks from your insurance.
  • Allow 6-8 weeks for the final settlement of your account, and note that we cannot issue refunds until all insurance claims are processed. Insurance processing time is beyond our control.
  • If you are experiencing financial hardship, we will work out a payment plan that is mutually agreeable. Our payment plans are flexible and made on a case-by-case basis.  We are committed to quality care at a reasonable cost.  If your situation changes and you are not able to keep your obligation, you must contact us and choose another option.

 Additional policies for pregnancy and birth care

All of the general policies above apply.  In addition, the following policies and agreements will be included in the financial contract and payment plan that is part of your first prenatal visit at Dar a Luz:

  • We require a Non-Refundable registration fee of $600 (or $300 if you are on Medicaid), due at the time of registration or at your first midwife appointment. The registration fee is not covered by insurance.  There is no registration fee for non-pregnancy services such as annual exams.
  • In the event of transport to the hospital during labor, no part of our fee is refundable. 
  • We appreciate you committing to your Payment Plan at your first visit.  Please come to your visits prepared to make your payments as planned.  We accept cash, checks (payable to Dar a Luz) and credit cards as well as flexible spending account cards.
  • Please note that visits outside the scope of well-pregnancy and well-baby care may be subject to different insurance coverage and may generate additional out-of-pocket costs for you.
  • All clients are required to pay their estimated portion by 36 weeks of pregnancy unless other arrangements have been made and noted on the agreement. If you do not keep your payments up to date or if payments are denied for any reason, we reserve the right to terminate our services.
  • It is your responsibility to notify the birth center of any changes in insurance coverage requiring a new Financial Agreement.


We know this can be confusing! Birth centers may be a new concept for you… and figuring out the best way to bring your baby into the world is a big decision for your family, in the realms of hopes and dreams AND finances. 

The Cost Of Prenatal Care

The best way to navigate these decisions is to come to an orientation. Afterward, you will receive your estimate from our Client Financial Specialist, so you have the information you need to make an informed decision. We are here to help! Read more below.

We provide an estimate of your out-of-pocket costs for maternity, birth and newborn care at Dar a Luz after you have attended an orientation. We do this for everyone, prior to your first appointment with a midwife, so that you can make an educated decision about your care. Every policy with every insurance company may have different rules. We can estimate your out-of-pocket expenses based on your insurance coverage only by checking your specific policy.

We have four things that we charge for:

  • Registration fee
  • Professional fee (this is one-on-one time with the midwives)
  • Facility fee (this covers birthing suite use, birth supplies, RN birth assistant, overhead, classes, administrative costs)
  • Newborn care for the first month

If you sign up with us, we will collect your portion from you by week 36 in your pregnancy. You can make payments or pay it all at once. We are flexible in our payment plans, so email our Client Financial Specialist (Erica), if you have a special situation.

My Midwife Lauren was awesome! I had never met her during my appointments, but truly believe everything happens for a reason. She made my birthing experience wonderful to say the least. She was like a midwife and a Doula all in one. She also helped with keeping my husband at ease. She showed him what to do to help me out every step of the way. I was able to have the beautiful water birth that I had always wanted.

Aug 07 2021

Dar a Luz is currently contracted with the following insurance companies:
Friday Health Plan
Medicaid/Turquoise Care (All MCOs)
Dar a Luz does not accept Ambetter insurance 

Please note:
Employees of Presbyterian are considered out of network for pregnancy and birth care at Dar a Luz.

Ask us! – If you don’t see your insurance listed, please attend an orientation and our Client Financial Specialist
will check your specific plan, and determine your benefits at Dar a Luz. 

Is it cheaper to deliver at Dar a Luz than a hospital?

Dar a Luz is committed to being up front and honest about all of our charges, and we provide a much more detailed estimate to our pregnant clients than our local hospitals are able to provide.
In general, Dar a Luz’s costs are considerably lower than a hospital birth. Here are some numbers from the New Mexico Healthcare Compare website. 
At this time, this website only includes information on Medicaid claims; data for commercial payers, Medicare, and the uninsured are not currently available. This includes both the payer and patient’s responsibility. The data represents claims from procedures completed from January 1, 2016 through December 31, 2016.
UNMH – $3,477 Vaginal Delivery; Cesarean = $7,739 (Facility*)
Prebyterian – $2,353 Vaginal Delivery; Cesarean = $4,722 (Facility*)
Lovelace Women’s – $2,200 Vaginal Delivery; Cesarean = $4,092 (Facility*)
Our Medicaid allowable (Facility*) is:
40% of UNM
59% of Pres
63% of Lovelace
*It’s important to note that these are for facility costs only, and do not include provider fees or newborn fees. 
To find out what your out of pocket costs could be at Dar a Luz, sign up for an ORIENTATION and receive an estimate for care specific to your medical benefits. 

Medicaid: Is it right for You?

New Mexico’s Medicaid program is called Centennial Care. Its services include physical health, behavioral health, long-term care and community benefits. Centennial Care uses four existing insurance companies to provide this coverage.

Medicaid’s mission is to provide no-cost or low-cost health insurance coverage to financially eligible citizens. Even if you didn’t qualify before getting pregnant, you may qualify for maternity coverage now. Medicaid is expanding to cover more people.

Confused about Medicaid?

Many people don’t realize that as a pregnant person, you can qualify for Medicaid coverage at 250% of the fixed standard when you are not pregnant. This means that many people qualify, even if you already have insurance!

You only need to know if you qualify, and then complete an application online. We have provided links to assist you in this process.

To determine if you are eligible, just add up the gross pay of your household’s paychecks (the amount before taxes, insurance and everything else is taken out), and come up with the total for an average month.
If it totals less than the numbers below*, the pregnant person can qualify for Medicaid.

In determining the household size of a pregnant person, they are counted as self plus the number of children expected to deliver this pregnancy.

  • Up to $4259 for a pregnant woman and unborn baby (family of 2)

  • Up to $5380 for a pregnant woman and unborn baby plus one (family of 3)

  • Up to $6500 for a pregnant woman and unborn baby plus two (family of 4)

  • Up to $7621 for a pregnant woman and unborn baby plus three (family of 5)

  • +$1121 for each additional household member

*These numbers are good through the end of March 2025.

Start the application process immediately if you think you may qualify for Medicaid. See below. It can take 45 days for coverage to be set up, and while you wait, your appointments may or may not be covered by Medicaid.

Find out for sure if you can get Medicaid, and apply today

You can find out for sure whether you qualify for any Medicaid program in New Mexico several ways. Choose the option that’s easiest for you:

Before you start an application, gather these:

  • Social security numbers of the family members to enroll

  • Employment and income information — paystubs, tax return, W2 forms

  • Policy numbers, if you currently have health insurance (this doesn’t affect your eligibility)

  • The first date of your last menstrual period

  • Though they are not supposed to require it anymore, they may ask for a “proof of pregnancy” letter from your midwife or doctor

If you qualify for Medicaid, you will be asked to select a Managed Care Organization (MCO) to administer your care. We accept all three MCOs

Each MCO has the same coverage for most things: certified nurse-midwife fees related to maternity, lab work, ultrasounds, hospital admission, doctor visits, specialist visits, other medical care, behavioral health, long-term care, prescriptions, emergencies, vision, dental, certain kinds of rehabilitation, and x-rays. However, not all providers accept all MCOs. Call your favorite providers and find out if your choice will matter to them. What else makes the MCOs different? They may have different value-added services, such as free carseats, cribs, and mileage reimbursement for trips to provider offices. Visit their websites to find out what else they offer. 

If you have other health insurance, don’t be afraid to report that to Medicaid. They don’t use that information when determining your eligibility for pregnancy coverage. And if you fail to report it to them, it could mean big trouble later … insurance fraud. You could also be stuck paying your own medical bills plus fines for the extra handling of claims.

Pregnancy Medicaid is usually back-dated to the beginning of your pregnancy. So if you’ve been told that you are eligible, your prenatal care at Dar a Luz will likely be covered no matter when you start seeing us. 

Whatever you decide to do, please keep us informed. Tell us about all of your insurance policies. Tell us whenever anything changes. After your baby is born, add him or her to your Medicaid coverage within 30 days and tell us when it’s done.

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