My last 3 births have been UC and I havent run into any problems with our insurance. A couple days after babe was born I went down to the town clerk's office and asked to fill out paperwork for a birth certificate and SS#. The first time they were quite confused, thinking I was the midwife, and then when i briefly explained my UC to them, although flabbergasted, they went ahead and filed the paperwork. All they really need to know is # of babes, date, time and location of birth. They gave me no flak about needing a MD/OB/MW signature on the papers. We received notification that all had been filed and got our copies in less than a month (about 3weeks if I rememeber correctly.) I am sure you could very easily see a forward-thinking ped. and they would be happy to help you if you wanted to go that route too. We never did since I see no point in taking a healthy chid to a Dr. Sometimes you have to do a bit of explaining and jumping through hoops, but it is well worth it!
Blessings to You!