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I'm considering using the Hackettstown Midwives for my next homebirth and I was wondering if anyone could give me any information about the financial side of things with them?  My understanding is that they're out of network for everyone and that they ask for $500 up front.  Does that sound right?  Are there any other up front costs with them?  Do you pay your portion of the cost (in my case 65%) in monthly installments or as a lump sum when your insurance is billed?  What is the total that they charge?  Thanks so much for any info!