Can midwives give a cash discount, self-pay discount, uninsured discount? What about prompt pay? 

And...can insured clients be offered a prompt pay discount as well? 

What about a discount for financial hardship or sliding scale?

This mini-course from Billing for Midwives identifies dangerous discount strategies, reviews recent court cases, and then covers the safe(r) solutions through real-world examples.

Then you are given a framework and an interactive "magic calculator" to support you in crafting discounts for your own practice: Enter the discounts you are considering, upload your fee schedule, and see how it plays out. The calculator flags percentages that fall outside the norms and standards, shows the difference between discounts that combine and discounts that apply sequentially, and creates the written policy statements ready to hand your clients.

This course is best taken after completing BfM's Setting Your Fees. Both are included in BfM's All Access, along with other benefits.


This course provides a HiveCE Certificate for 3 hours of continuing education that may be used under Category 2 CE for CPM renewals with NARM.

Course Evaluation Comments (from the original course - now updated for 2026 and even better!)

Shared with permission from our

“I love how Jesica teaches! So easy to listen to and understand!!”

Laurie Z

Certified Professional Midwife

“Very well presented.”

Sherry J

Certified Nurse Midwife

“Great class and useful handouts!”

Diane S

Licensed Midwife

“As we get more midwives accepting insurance, I wonder if we can get more examples of midwives and their safer discounts since it will feel more immediately relevant. Otherwise - wow thank you so much!!”

Elizabeth M

Certified Professional Midwife

“A lot of this was very new information and will definitely be helpful in my practice. Thank you!”

Participant, June 2022

Licensed Midwife

“I appreciated everything in this course.”

Participant, February 2026

Certified Professional Midwife

Choose the enrollment method that best meets your needs:

FREE À La Carte Access through 12/31/26 via an Organizational Membership: If you are a member of any of these organizations with an active Organizational Membership, you may access this course for free through 12/31/26. Access code/link must be obtained from the Organization you are a member of (ATM, CALM, etc), and used at the time of enrollment. The free offer cannot be applied retroactively. 

~ or ~

Billing for Midwives All Access. Billing for Midwives All Access members enjoy the following benefits:

  1. Monthly opportunity to schedule a 30-minute private consultation (no additional cost!)
  2. Access to this course and all other Billing for Midwives courses
  • Jesica Dolin Gutierrez

    Instructor Bio:

    Jesica Dolin Gutierrez had the honor of attending over 600 births in her 15 years spent practicing as a homebirth and birth center midwife. In her post-call life, she served three terms on the Advocacy Council of the Oregon Midwifery Council, taught at Birthingway College of Midwifery, worked as a consultant to midwifery lawyers and software companies, served on advisory boards to the Oregon Health Authority, and volunteered with MEAC as a CE reviewer. She founded HiveCE in 2015, and is devoted to improving care and options for perinatal families and providers through continuing education and research.

    Jesica Dolin Gutierrez

    Midwife and Founder of HiveCE

Course curriculum

  • 01
    Welcome!
    Show details
    • How This Works and Options for Direct Help
    • Usage Agreement for Course Materials and Magic Calculators
  • 02
    Dangerous Discounts
    Show details
    • Introduction and Review of Concepts
    • Court Case #1: When Prompt Pay Discounts Become Fee Forgiving
    • Court Cases #2 & 3: The Path to Bankruptcy for a Birth-Center-Size Facility
    • Court Cases #4 & 5: Is a VOB a...contract?
    • Other Problematic Discount Policies
    • Takeaways
    • Articles, Laws & Court Rulings
  • 03
    Safe(r) Solutions
    Show details
    • Overview of the Three Discount Types
    • How Big Can the They Be?
    • Important Considerations If You Bill Insurance
  • 04
    Self-Pay Discounts
    Show details
    • Who What When Examples
    • Is it legal?
    • Tricky Situations
    • Best Practices for Self-Pay Discounts
    • Articles, Laws and Self-Pay Examples
  • 05
    Prompt Pay Discounts
    Show details
    • OIG Advisory Opinion and Prompt Pay Examples
    • Best Practices for Prompt Pay...and a Creative Idea
    • Prompt Pay Discount Notice and Offer Sample Language
    • Articles and Prompt Pay Examples
  • 06
    Financial Hardship Discounts
    Show details
    • Financial Hardship Discounts
    • Articles and Financial Hardship Discount Examples
    • Loyola Medicine Financial Assistance Application
    • UCLA Physician Services Financial Assistance Application
    • University of Miami Health System FAP Application
    • UVM Medical Center Financial Assistance Application
    • Legacy Health Financial Assistance Plain Language Explanation
    • Legacy Health Financial Assistance Application
    • Legacy Health Sliding Scale Chart
  • 07
    Other Discounts, Combos, and Whattabouts
    Show details
    • What about Military, Family, Employee, Last Chance Discounts...and Bartering?
    • Can I honor client estimates in 2027 that were provided under the CPT rules of 2026?
    • Articles
    • Methodist Health Self Pay Policy
  • 08
    Crafting Your Safe(r) Discounts
    Show details
    • Crafting Your Discount Structure
    • BfM Safer Discounts Roadmap and Worksheet
    • BfM's Safe(r) Discounts Magic Calculator w/Walkthrough
  • 09
    Evaluation
    Show details
    • Evaluation Questions
    • Post-Test

BfM's Safe(r) Discounts

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