Oh, I'm thinking! We did a homebirth when we lived in California that we paid for out of pocket. Now we're in Florida where it's not nearly as common and we can't afford out of pocket.
So Plan #1 is to see if the hour-away birth center that also does homebirths can become a provider under our insurance. The insurance won't cover homebirth, but they could cover the prenatals, and then we'd just pay for the actual birth out of pocket.
Plan #2 is to use the birth center that's 20 minutes away and in our plan. But with how fast my labor with DD was (3-4 hours), there's actually a bit of a risk that I wouldn't make it in time (if DH was working, had to get my parents to come over in the middle of the night, then drive me there, etc)
And we REALLY REALLY want a homebirth. So I'm hoping that #1 works out. We're working with their insurance gal now, and we're going to interview them next week.

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