I'm glad you were able to work something out with your midwife.
I can completely understand, as we've had our own share of financial difficulties with paying for this homebirth. We had become almost certain our insurance would cover half (this was confirmed by the insurance company). So we had planned for that. Then they started giving us the completely opposite line, that homebirth was not covered at all. I had a few weeks of complete stress and emotional breakdowns.
We are paying our midwife half the fee through our FSA account (still waiting for that to process....ugh). And she is comfortable waiting until delivery to go ahead with billing the insurance to see if anything comes of it......I'm trying not to think about that part until we have to.
Just trying to let it go and enjoy preparing for the birth. I hope now you can do the same.