Any homebirth right in FL even if insurance is not paying out of network provider??

[naturallyspeaking]

Whew, I'm researching to find and make a proof that I do have rights even if the insurance states that they don't cover out of network provider. Is there a solid foundation for this statue or am I out of luck?? I talked to cs person and she said if my provider is not in their network, I need to pay out of pocket. But then why did they have us do Gap Exception referral from my doctor?? Where does women's right to birth wherever she chooses stands in this situation?? The cs person said, I can call all the ob/gyn under their network and find if there is any midwife (since mw is not listed in their book) under ob/gyn. (but then these mw's don't practice homebirth).
Can someone shed some light on this issue? Anyone had to go thru this and got paid some/any from the insurance co?? FYI, I'm with BCBS FL HMO.
Thank you.

[MommytoTwo]

I was with BCBSFL but it was a PPO but I do know that they have to cover a midwife for a homebirth. I seriously doubt a CS person at BCBS would know that.
What area of FL are you in?

[naturallyspeaking]

I'm in Brevard county, FL.
Who do you suggest that I talk to?? You mean they have to cover a mw for a homebirth even if there is no hb midwife in the insurance's network?

Originally Posted by MommytoTwo

I was with BCBSFL but it was a PPO but I do know that they have to cover a midwife for a homebirth. I seriously doubt a CS person at BCBS would know that.
What area of FL are you in?