We are in the process of deciding between a homebirth with a CNM or a birth center birth. Unfortunately, one of our considerations has to be money. We are lucky that our insurance DOES cover the "birthing" fee for homebirths, provided we use a CNM (which we are planning). However, there are other expenses, such as a $650 fee to the midwives for "in home" care (not covered by insurance) and a birth tub rental (not provided by midwives), which will probably be $250-300. Then there is the birthing kit that our midwives require us to purchase, which is $50. So far these are the expenses I can forsee, what do you think I am missing? I want to go into this with our eyes open, since our money is so tight right now.
So, am I missing anything? One possibility is that we would also incur a hospital co-pay in the event of an emergency transfer, which I don't anticipate, but am aware could happen. That would be another $500 in addition to the above fees.
Thanks for any experience you can share.