Originally Posted by iowaorganic
Buzzbuzz- a lot of us live in states where we are forced to deliver with a CPM- and if I remember correctly from the other thread you only believe in legalized CNMs. Obviously underground midwives aren't going to be able to get malpractice insurance- it doesn't matter what the cost is- they won't be able to get it. However- I have no problem not holding the mw responsible for my decision.
No one in the U.S. is ever "forced" to give birth with a CPM. No one. There is a law that provides for ANY laboring pregnant mother to be treated at ANY ER in the country, whether or not she is insured, has citizenship, a job, a home, whatever. You can simply walk in and have your baby with the resources of the hospital at your disposal. It is ridiculous to say that anyone is "forced" to give birth with a CPM.
Insurance should be mandated, because until it is, CPM's will continue to cry "poverty!" at every turn. If CPM's want to be licensed, they should also carry insurance and truly start to act like professionals. Consumers need to be protected! You should have heard the outcry when CAR insurance became mandatory! Oh, it's so unfair! People can't afford CAR insurance! That's so wrong, to force people to pay for insurance! But we're all used to having to have CAR insurance now. It's a fact of life. No one is going broke over it. And if you're hit by an uninsured driver, and you have insurance (depending on your coverage) you will still receive recompense. Most of you are probably too young to remember when car insurance was NOT mandatory, but now it is just routine. If midwives want to be recognized as legal and professional they should carry insurance like all other maternity providers. What's the big deal? If you practice safely and responsibly, then insurance will be reasonably low and will not increase much over time. If you're able to accept more clients and bill insurance as well, then you can balance your costs of insurance. Crying "poverty" doesn't release the midwife from the obligation to be professional and also to be able to be held accountable for any mistakes, negligence or gap in care.