we're planing homebirth this fall.
I talked to my insurance about covering 'out of hospital birth', and they referred me to their list of 'participating' CNMs.
Of course all the participating providers work only in hospital settings ('all' is 2 offices within 20 miles, we live in a small place..)
My insurance is EPO, which means no coverage whatsoever for out of network. When I mentioned I checked , and there are 3 midwives in my area who do homebirths, they said I can only choose from the list of providers, and they cover midwives, but the 'cannot tell the midwives where to deliver' .
Has anyone experienced this ? Is this true that if there are participating midwives in their network the insurance does not have to cover a home midwife? <man, I hate this #$*&^%#@ insurance industry!!!>