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What are the pros and cons of using a midwife?

Cheerful doctor reviewing papers with female patient stock photo

When it comes to pregnancy and childbirth, there are many different options for care providers. One popular choice is a midwife, a trained professional who specializes in providing personalized care and support to women during pregnancy, childbirth, and the postpartum period. In this blog post, we will explore the pros and cons of using a midwife, the cost of midwife services, and how to explore your financing options through United Credit.

What are midwifery services?

Midwife services are a type of healthcare service that specializes in providing care and support to women during pregnancy, childbirth, and the postpartum period. Midwives are highly trained professionals who offer a wide range of services, including prenatal care, childbirth support, and postpartum care. They are experts in natural childbirth and focus on providing a more personalized and holistic approach to pregnancy and childbirth.

Pros of using a midwife

One of the main benefits of using a midwife is the personalized care and attention they provide. Midwives take the time to get to know their patients and provide care that meets their specific needs. They offer a more natural approach to childbirth, focusing on supporting the body’s natural processes rather than relying on medical interventions. This can lead to a more positive birthing experience for both the mother and baby.

Another benefit of using a midwife is the lower rate of interventions and complications during childbirth. Studies have shown that women who use midwives have a lower rate of cesarean sections, episiotomies, and other medical interventions during childbirth. This can lead to a faster recovery time and a better overall birth experience.

Cons of using a midwife

While there are many benefits to using a midwife, there are also some potential drawbacks to consider. One of the main concerns is the lack of access to medical interventions in case of an emergency. While midwives are trained to handle many complications that may arise during childbirth, there are some situations where medical intervention is necessary. If this occurs, it may be necessary to transfer to a hospital or work with a medical doctor.

Another potential drawback is the lack of insurance coverage for midwifery services. While some insurance plans do cover midwife services, many do not. This can make it more challenging to afford midwife care, especially for those who do not have the financial resources to pay for it out of pocket.

Cost of midwifery services

The cost of midwife services can vary depending on the location and type of services provided. On average, midwife care can, on average, cost between $2,000 and $5,000 for a standard prenatal care and vaginal delivery. However, the cost can be higher for more complex pregnancies or for those who require additional medical care.

For those concerned about the cost of midwife services, United Credit offers financing options to make it more affordable. United Credit works with lending partners that provide financing options for medical services, including midwife services.

Flexible payment options can help patients to pay for their midwife services over time, rather than all at once. This can help to make midwife services more accessible and affordable for patients who might not have the financial resources to pay for them upfront. Additionally, United Credit’s lending partners can offer competitive interest rates and a variety of loan options to meet the specific needs of patients who qualify.

Using a midwife can be a great option for those looking for personalized care and a more natural childbirth experience. While there are some potential drawbacks to consider, many patients find that using a midwife is a positive and rewarding experience. If you’re concerned about the cost of midwife services, consider exploring financing options through United Credit. Start your application here.

United Credit strives to keep the content shared on this blog accurate and up to date. You are urged to consult with business, financial, legal, tax and/or other advisors and/or medical providers with respect to any information presented. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial or medical institution. This content is intended for informational purposes only.

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Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin


As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

Jorge Lazaro

VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.

Matthew Libman

Founder & President

Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.

Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.

Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.