Amazingly our midwife filed the papers and our insurance covered everything! It was an amazing surprise. Apparently it was the first time my midwife didn't have to fight at all. Maybe things are getting better... wishful thinking. She just filed and they paid. woohoo! I have Horizon Blue Cross Blue Shield POS.
Good luck with your fight! I hope everything works out.
NY State has some kind of requirement that insurance cover homebirths - my MW claimed, got 70%, then claimed again and got the full remainder. They paid for everything! I never paid her a dime directly and never even had to call my insurance company (Oxford).
Good luck to everyone in trying to get reimbursed!