I wanted a homebirth BADLY but United would only cover a CNM out of network for me, too. They make it VERY unceonvenient to have a homebirth as far as I see it.
First of all- dont mention it's a homebirth or ask if they cover homebirths. It doesn't matter WHERE you birth rather who attends you.
In portland the miwdwivery cost is mainly attributed to the birth, however the total cost covers all your visits minus Ultrasounds and labs, etc.
I have to have...