I was trying to have a hospital birth to save money (my insurance won't cover home or birthcenter). I signed up with a group that has midwives and a hospital birthcenter.
But I too was visualizing not getting to the hospital on time, especially as this pregnancy has become increasingly medicalized (first bc I am 37, thus high risk, and now I have been diagnosed with GD - though I am sure that I can control it with diet, and that I probably won't even high insulin levels, if I don't eat sugar).
There is no way that I am going to "labor" in the hospital.
I know that going to the hospital with my first child stalled my labor. (I was 5 inches when I got there, and 5 inches 12 hours later). With my second I stayed home for a really long time, even though I was going to a free standing BirthCenter. My son's birthing was about 4 hours all together. I got to the BC fully dilated and birthed the baby w/in 40 minutes -- that seemed like a real waste of money!
Since I keep seeing myself as NOT getting to the hospital, I started reading the UC board. I wanted some idea of what I would need, should I not make it to the hospital (bc I really don't want to go to the hospital!) And the main thing I am concerned with is my own bleeding, though they do give some recipes and links for tinctures that you can use to stop bleeding. You should read that board a bit.
Also, if I have a tear, I think I would like to have someone here to sew it up, rather than having to go to the hospital for that. BUT, if I did go to the hospital after an emergency homebirth, I would not check the baby in, and I would not let them do anything/touch the baby.
I really like the idea of having a midwife that you could call if there is a home birth situation. For your after care and for the birth certificate. You might even want a midwife with you in the hospital if you are really hoping to have a natural birth experience.
I have now decided to go for a homebirth, bc I do not want to deal with the hospital and all their standardized practices. I have a meeting with a midwife next week.
I think that you should find a midwife for back up.