yay Kinder!! You can HAVE it. I've been ravaged the past few weeks, but I'm 9/5 right now, and I think, at the risk of jinxing myself, that today may have been the first on the road to good days again. I hateeeeee morning sickness. I was so excited about it too, because it means the baby is really digging in and growing, but by now, I'd be good without the reminder. lol
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It's hard for me to imagine paying at all for a birth, or any medical expenses, so I don't really have the same insight you guys do. Here everything to do with 'primary care' is covered. Any hospital stays, doctors visits, routine shots, casts, accidents, etc etc. It's only for ancillary type things-- massage, dental, vision, chiropractic, physio... those kind of things you pay out of pocket for, or can get additional insurance. But other than that for childbirth, the ONLY thing you pay for is if you want to pay extra to have a private room, or maybe to rent a tv in your room. That's it. Same with homebirth here, it's totally covered.Â
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But I can see how if you've had good experience with the hospital, either firsthand or through visiting others, spending time there, etc etc, then the idea of a hospital birth seems absolutely fine when the alternative could cost you thousands of dollars. It's only really after you've had a bad experience that you start to see the value of $4000 of piece of mind, you know? But if you're lucky enough to have care providers/facilities who are good to mamas, then I can see how it wouldn't be as big of a deal. And heck, finances can hurt. Even the idea right now of hiring a doula for $500 hurts my brain, and while DH and I are not rich by any means, we -do- have the money in the bank for it. But anyways, the point is that it is always hard to put out money for something when there's a free alternative (or close to)... especially if that alternative has never done wrong by you.Â
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BFS: Â Hopefully you'll be able to find some peace with this issue. It's such a hard one because the consequences either way can be very serious. It's one of the issues that DH gets a bit more say than I do, because he's actually contracted meningitis before, and gone through the spinal taps, and the headahces and all the pain, whereas I don't have that experience, just the knowledge and statistics. Sometimes it's hard to balance the two. I would definately push for the reswab though, and start there.Â