Ever since I started reading about natural birth when I was pg with my dd, I wanted an out of hospital birth. With dd, we were living in an undergraduate dorm so a homebirth was out (I'm a part time RD so we have an apartment in the dorm) and the nearest birth center was 2 hours away, so we had a natural birth in the hospital with midwives. The birth was ok but I did not like the hospital stay at all.
We're still living on campus but a new birth center opened in my town about a year ago. I am SO excited to have that option and I have been really excited about a birth center birth.
However, this baby was a surprise (but a very exciting surprise!) and I didn't have maternity coverage. DH is only working part time right now - he finished grad school recently and we thought this part time position would turn into a full time one but funding was cut. So he is job hunting and we don't have benefits so we had to apply for pregnancy medicaid.
Medicaid would cover 100% of my costs if I deliver in a hospital with midwives, or they will only cover part of the cost in the birth center and we would have to pay around $1500.
Based on our current financial situation, I am feeling guilty and like I am being irresponsible to pay $1500 for this birth when we could pay nothing. I am SO frustrated that medicaid won't cover the birth center since I would be saving htem thousands of dollars anyway by giving birth there instead of in the hospital.
However, we do have savings/investments that could cover the $1500, and I'm expecting that DH will either find another part time job or hopefully have a full time job by the time the baby is born, so I am hopeful our financial situation will be better, but of course there are no guarantees. My job provides us with housing, utilities, internet, phone, and an unlimited meal plan for all of us (although I do still buy and cook most of my food because the university food is pretty unhealthy). So we really have very few monthly expenses so the $1500 wouldn't be a stretch IF my husband can find at least another part time job, but right now it would be tight.
I guess I feel like I'm getting caught up in my hopes for an "ideal" birth and making an irresponsible financial decision when I could probably have a "decent but not great" birth in the hospital.
What do you think? What would you do?