Ah, health insurance. I have a catastrophic plan because I am a freelancer, so that's what is available and "affordable" for me (still insanely expensive). My previous midwives (who deliver in a hospital) were covered - prenatal care 100% and then a high deductible plus co-insurance for the actual birth. Because why would birth be covered? It's not a natural event, silly women, why would you think it would be... argh.
But I recently switched to a birthing center only to find out after the fact that there are separate deductibles for the provider and the facility. Stupid distinction on the part of my insurance company, and now it seems I would be on the hook for thousands of dollars - providing I didn't have to be transfered to a hospital. And for that, I haven't even been able to get an estimate.
So it looks like I might have to switch providers yet again (although I absolutely love the birthing center, and the ability to give birth there and not in a hospital is so important to me that I'm considering going for it...). And the best part is, I have almost exactly three months until my due date to figure this all out. Plus my husband's boss says he'll offer insurance but is dragging his feet and I feel the time just ticking away! This is all so stressful. Nothing anyone can really do, I just need to get it off my chest... It's the last thing I want to be dealing with right now.