Originally Posted by sarahn4639
We are planning our second homebirth, I can't wait!
About midwives- I'm in IOWA and my choice is a great mw for $4,700 or a ho-hum used last time and was fine, but no warm fuzzy feelings mw for $200ish because she's covered in network with my insurance and I don't have to prepay.
Oh my goodness, this is SO the issue we are facing. We have two in the same practice who would be $20 a visit because they are in network, but I have heard from other mamas here they are not the best... however I am going to meet them first and reserve my feelings on the subject. Then there is the out of network one that I have heard raves about from here, and seemed really sweet on the phone, but I would have to pay her fee (not sure the cost yet, yipes!) and wait for our 70%. I am still waiting for $750 from LAST August, so I don't have a ton of faith I will ever see my $ back.
My last birth we used a midwife purely for financial reasons. I came into her practice at 32 weeks and either everyone was full, or they required payment in full by 36 weeks. I liked her ok, but she wasn't a warm & fuzzy kind of person. In labor she let me be, which was fine for me because I had two doulas, but not for my friend who used her but didn't have a doula and ended up being a hospital transfer because she was exhausted and felt like she had no labor support.
I am flip flopping because although my midwife was not warm and fuzzy, she was brilliant and competent and her skill and I had an amazing birth and both my doulas (I got a student doula) were AMAZING and made up for the lack of fuzzy midwife. I don't regret using her. Financially I would have had a hospital birth with an OB if my MW had not agreed to let me make payments (my daughter was 6m old when I finished paying her).
Being in a similar situation, I can't wait to meet both midwives, so I can figure out if I am going to go for insurance covered, cheaper midwives that I hear not-so-glowing-reviews about; or pay upfront midwife with glowing reviews and hope my insurance actually pays me back this time.
Good luck with your decision, I sense a lot of pro/con lists in my own future trying to decide the same thing.